RedactedNarrative: Operator and family were on Dale Hollow Lake on 06/25/2015 on a pontoon boat OH 0858 FE. At approximately 14:30 hours the operator and his family were leaving a cove off of Dale Hollow Creek after day on waters of Dale Hollow Lake in Clay Co. Tennessee. Operator exited cove area into Dale Hollow Creek and towards main lake (heading was NNW). Operator was running at approximately 3200 RPM (according to the operator) Grandchild was at stern of vessel while underway and causing a distraction. Operator turned head and looked astern to address the problem. Operator did not reduce speed. During distraction, operator vessel direction changed to an eventual probable heading of ESE. Vessels port pontoon struck a rock bluff and "tore loose" all supports from deck. Vessels starboard pontoon struck bluff also and damaged front of pontoon. Operator received a bloodied nose; none of other persons on board were injured. No occupants were ejected. Operator eventually got in contact with Dale Hollow Marina personnel, who came out and towed the damaged vessel back to Dale Hollow Marina.