Vacation Time

Three men are on a deep-sea fishing boat off a Caribbean island and they get to talking how they chose that island for a vacation.

"I had a terrible fire and lost everything," the first man says. "Now the insurance company is paying for everything. That's why I'm here."

"I had a terrible explosion and lost everything," the second man says. "My insurance company is paying for everything, too, and that's why I'm here."

"What a coincidence," says the third man. "I lost everything in a terrible flood, and the insurance company is paying for everything. That's why I'm here."

The two others look at him with stunned expressions. "Flood?" says one. "How do you start a flood?"