Someone broke in and turned on a tap???

Sounds a little fishy...wonder if it was deliberate:

The two businessmen had both gone to the same lawyer for help in settling insurance claims. While they were waiting, they struck up a conversation, and each learned that the other's business had also been destroyed.

"So, how'd it happen to you?" asked the first businessman.

"Fire. Destroyed everything. What happened to your business?"

"Flood", replied the first businessman.

"Really? How do you arrange a flood?"