"Fire Insurance" joke

A lawyer and an engineer were fishing in the Caribbean.
The lawyer said, "I am here because my house burned down and everything I owned
was destroyed by the fire. But my 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. "How did you start the flood?", he asked.

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