RedactedNarrative: Operator and his two passengers capsized and fell overboard into the water for 12 minutes. They were rescued. Operator said the engine stalled and he opened the bow storage hatch thinking he would be able to access the engine. Water conditions were minor chop and light wind. The pwc took a wave from the side and rolled over. He placed his 3 yr old on the overturned hull to get her out of what he estimated to be about 45 degree water temperature. He was able to retrieve his cell phone from a storage compartment and make a 911 call for help. Officer determined force of wave and operator inexperience cause of this accident.