A lawyer and an engineer

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.