A doctor vacationing on the Riviera met an old lawyer friend
and asked him what he was doing there.

The lawyer replied,
"Remember that lousy real estate I bought? Well, it caught
fire, so here I am with the fire insurance proceeds. What
are you doing here?"

The doctor replied, "Remember that lousy real estate I had
in Mississippi? Well, the river overflowed, and here I am
with the flood insurance proceeds."

The lawyer looked puzzled. "Gee," he asked, "how do you
start a flood?"