Puzzled Lawyer

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 did you start the flood?"