How Do You Arrange a Flood

Two retired New York businessmen run into each other in Florida.

After the usual greetings, the second one asked the first guy, “What happened to your business?” The first guy answers, “Competition started eating into my profits. There was a fire that destroyed the business so I decided to take the insurance money and retire. What about your business?” The second guy says, “Similar to you but I had a flood destroy my business.” The first man asks, “How do you arrange a flood?”