RedactedNarrative: The vessel left nearby marina into the main part of the lake.  The operator stated the PWC was not running properly at this time.  This made it difficult to operate in the choppy water.  He believes several waves coming over the bow and sides of the detachable hull filled with water causing the hull to swamp and capsize.  While the vessel was taking o water the 3 passengers who were not already wearing PFD's put them on before the vessel completely swamped.  Other boaters in the area were able to pickup the 3 in the water.