How'd you get here?

A doctor vacationing on the Riviera met an old lawyer friend and asked
him what he was doing there. The lawyer replied, "Remember that lousy
real estate I bought? Well, it caught fire, so here I am with the fire
insurance proceeds. What are you doing here?" The doctor replied,
"Remember that lousy real estate I had in Mississippi? Well, the river
overflowed, and here I am with the flood insurance proceeds." The
lawyer looked puzzled. "Gee," he asked, "how do you start a flood?"