A lawyer and an engineer were fishing in the Caribbean.

The lawyer said, "I'm here because my house burned down, and
everything I owned was destroyed by the fire. The insurance
company paid for everything."

"That's quite a coincidence," said the engineer. "I'm here
because my house and all my belongings were destroyed in an
earthquake, and my insurance company also paid for everything."

The lawyer looked somewhat confused. "How do you start an
earthquake?" he asked.