Why Insurance Is So Expensive

Three guys are fishing in the Caribbean. One guy says, "I had a terrible fire and 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 and also 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 and 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?"