A lawyer and an engineer <or some other honest profession member :-) >
were fishing in the Caribbean. The lawer said "I am here because my
house burned down and everything I owned was burned. The 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 and asked "how do you start a flood?"