Two men are waiting for appointments with their insurance claims adjuster.

They chat and learn they have a common bond. The first one says "My restaurant was wiped out by a fire, everything inside was wrecked."

The second one says "Mine was taken out by a flood, total loss too."

The first one thinks a bit then asks "How do you start a flood?"

My local church had troubles getting their insurance to pay for the lightning damage

The insurance claimed it was deliberate damage by the owner.

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