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.