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?