RedactedNarrative: O1V1 WAS PULLING HIS KIDS ON A TUBE AND ON PLANE, WHEN O1V1 HIT A ROCK REEF EXTENDING OFF THE PENINSULA OF THE SHORELINE.  V1 SUSTAINED DAMAGE TO THE KEEL, BENDING THE REINFORCEMENT METAL SECTION HULL DAMAGE, MOVEMENT OF RIBS, BROKEN SKAG AND LOWER UNIT, BENT AND BROKE PORTIONS OF THE STAINLESS STEEL PROPELLER AND BENT THE PROPELLER SHAFT.  O1'S INEXPERIENCE AND LACK OF KNOWLEDGE OF THE LAKE CONTRIBUTED TO THE ACCIDENT