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. “Hmm …. How do you start a
flood?” he asked.