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 at the engineer in awe.

"Damn", he said, "How do you start a flood?"