A lawyer and an farmer were fishing off Hawaii.

The lawyer said, “I’m here because my home burned down, and everything I owned was destroyed by the fire. The insurance company paid for everything under my homeowners insurance policy.”

“That’s quite a coincidence,” said the farmer. “I’m here because my farm house and all my belongings were destroyed by a flood, and my insurance company also paid for everything under my homeowners insurance policy.”

The lawyer thought for a moment, but was puzzled. Finally he asked the farmer, “How do you start a flood?”