Two elderly men were sunning themselves on

Two elderly men were sunning themselves on a Miami Beach when they started a friendly conversation.
"I was able to move here to retire in Miami after my business burned to the ground," the one man said. "The insurance payment sure came in handy."
The other replied, "I'm here living from an insurance claim when my factory was flooded out."
The first man pondered for a few seconds and then asked, "How do you start a flood?"

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