RedactedNarrative: The operator of Vessel #1 advised me that he was traveling at approximately 30-40 mph when he felt the vessel start to handle differently and noticed the vessel start to take on water. The operator slowed the vessel down and came off a plane and as the vessel settled in the water the vessel rolled over and capsized as it filled up with water. The operator was able to exit the vessel before it rolled over and was picked up by a Good Samaritan boater that was in the area. The operator was not injured. The vessel was towed into Mangrove Marina in Tavernier by a friend of the vessel owner and later pulled out of the water by the owner/Operator after he retrieved his trailer from another location. As the vessel was being towed into shore and the bottom of the boat hull was exposed there a small portion of the fiberglass that was missing and appeared to have been delaminated which caused the vessel to take on water. Therefore, I did not find the operator at fault and the accident was caused due to a issue with the fiberglass hull.  I did not observe any fuel or pollutant leakage during my time while on scene . Note; I spoke with the Progressive Insurance adjuster and she advised me that the vessel was total loss and the value of the vessel was $57,000.