A lawyer and an engineer were fishing in the sunny 
Caribbean. They were discussing their great vacations when 
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 is 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, quite puzzled, asked, "How DO you start a 
flood?"