There were 3 passengers and the operator on the boat along with miscellaneous equipment.  One passenger was seated in the front of the boat holding a portable generator.  There was also a trolling monitor (including foot remote), marine battery, fishing poles and anchor secured inside the bow.  They were en route back to a marina and attempting to beat an approaching storm when the water became rough.  As they exited a cove into the main body of the lake, they encountered rough waves generated by wind.  The waves entered over the bow of the boat adding additional weight to the front of the boat (weight of water 8.34 lbs/gal).  The additional weight caused the bow to become submerged and the forward momentum of the boat continued to drive the bow beneath the water.  The passengers and operator were immediately pushed back by the oncoming water.  Weight transfer within the boat from unsecured items, passenger movement and oncoming water caused the boat to capsize to the starboard side.  The passengers and occupants entered the water as the boat capsized and partially sunk.  The bottom of the outboard motor and only a small portion of the transom were exposed above the waterline.  Two of the passengers swam to shore, one passenger wearing a life jacket was pushed away from the scene by wind, and the operator subsequently became unresponsive and slipped beneath the waterline.  The operator and passenger were recovered from the water and attempts to revive the operator were unsuccessful.
Litchfield                    