Flood

Three men are fishing in a resort. One says, “I had a terrible fire, lost everything. But the insurance company is paying for everything and that’s why I’m here.”
The second man says, “I had a terrible explosion, lost everything. Insurance is helping, so I’ here.”
The third guy says, “What a coincidence. I had a terrible flood, lost everything. The insurance firm is bailing me out too and that’s why I’m here.” 
The others turn to him confused and ask, “Flood? How did you start a flood?”