A lawyer and an engineer were fishing in the Caribbean. The lawyer said, Im here because my house burned down, and all I owned was destroyed by the fire. The insurance company paid for everything and Im using some of the insurance money for this trip.

Thats quite a coincidence, said the engineer. Im 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.