[Of course this happens the day she decided to use her good konpeito to get a some more film for Max, just to make sure she wouldn't run out and because she wanted to do something good for once. Chloe decides to hurry back to her house, not really bothered by the rain but not wanting her things to get ruined.
Which leads to her slipping thanks to everything being wet and muddy, and falling head first to the ground. Talk about bad luck.]