"Insurance (adult)" joke

A lawyer and an engineer were fishing in the Caribbean. The lawyer said, "I'm here because my house burned down, and all I owned was destroyed by the fire. The insurance company paid for everything and I'm using some of the insurance money for this trip."
"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.

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