"Weather or not..." joke

Three men are sitting on the beach in Miami.
Moishe says; "So, I had a lumber business.
Huge inventory. Then one night a tragic fire swept through my yard, leaving me nothing to sell but ashes. I collected the insurance, and here I am."
Bernie replies; "Really? Similar story for me.
I had a paper supply house. One night
the sprinkler system accidently goes off, soaks all my inventory, and BANG!, here I am in Florida with my settlement!"
They both look over at the younger man.
"So... why are you here?", they ask.
"My name is Joel and I was a tailor making nice shirts in Hawaii. Without much warning a hurricane hit and blew all my inventory out to sea. Like you, I collected my insurance and here I sit."
The older two men look at each other and nod silently.
Then Bernie says;
"How do you make a hurricane?"