A lawyer and an engineer were fishing in the Caribbean.

The lawyer said, I am here because my house burned down and everything I owned
was destroyed by the fire. But my insurance company paid for everything.

That is quite a coincidence, said the engineer, I am 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 did you start the flood?, he asked.