A Lawyer and an Engineer ...

A Lawyer and an Engineer were fishing in the Caribbean.
Lawyer: I'm here because my house burned down and everything I owned was destroyed by the fire, however the insurance company paid for everything.
Engineer: That's quite a coincidence, I'm here because my house and all my belongings were destroyed by a flood, and my insurance company also paid for everything.
Lawyer: (Looked somewhat confused) How do you start a flood?