RedactedNarrative: On Sunday, March 18, 2018 at approximately 1400 hrs, I, Officer, with the Florida Fish and Wildlife Conservation Commission, was sent to a boating accident right off the Moonspinner on Panama City Beach.
  
  I responded by land, and when I arrived on scene all individuals involved in the accident were safely on shore. I spoke to the owner of the vessel, and he advised that all four individuals on the vessel were in the cobia tower looking for fish. Operator was operating the vessel from the cobia tower. They were headed westbound along the breakers when they spotted a fish and decided to change course of direction and head southbound. As they began turning south, the boat took a wave over the bow and capsized the vessel. All four individuals were ejected from the vessel into the water. However, no one was hurt, and all were able to swim safely back to shore. Operator called Seatow and had them right the vessel and tow it to Safari Boat ramp. 
  
  I met with Operator and Safari Boat ramp to get statements from everyone and take pictures of the vessel. While talking to Operator it was determined that the vessel suffered approximately $28,000.00 worth of damages. Operator had 2 Garmins on the vessel, the cobia tower broke, and there was damage to the center console and engine of the vessel. 
  
  Operator has insurance with Progressive and provided the policy number. From my training and experience, it is believed that overweighing the cobia tower with four adults, and taking a wave over the bow as they were changing directions is what contributed to the capsizing of the vessel. 
  
  No one was cited for the boating accident.