Three guys are fishing in the Caribbean. One guy says, "I had a
terrible fire; lost everything. Now the insurance company is paying for
everything and that's why I'm here."
The
second guy says, "I had a terrible explosion; lost everything. Now the
insurance company is paying for everything and that's why I'm here."
The
third guy says, "What a coincidence. I had a terrible flood; lost
everything. Now the insurance company is paying for everything and
that's why I'm here."
The other guys turned to him with confusion and asked, "Flood? How do you start a flood?"