Jim was vacationing on the French Riviera when he met Sarah, a lawyer friend. He asked how she’d paid for the holiday. She replied, “Remember that terrible house I bought? Well, it caught fire and I used the insurance money.” She went on, “And, how can you afford this place?” 

Jim replied, “Remember that farm I had in Mississippi? Well, the river overflowed and destroyed everything. I’m also using insurance money.” 

Sarah smiled admiringly, “How do you start a flood?”