A lawyer and an engineer were fishing in the Caribbean. The
lawyer said, "I'm here because my house burned down, and
everything I owned was destroyed by the fire. The insurance
company paid for everything." "That's quite a coincidence," said
the engineer. "I'm here because my house and all my
belongings were destroyed by a flood, and my insurance
company also paid for everything."
The lawyer looked somewhat confused. "How do you start a
flood?" he asked.