RedactedNarrative: On February 20, 2021 Florida vessel was operating northbound, offshore of Palm Beach, FL. The vessel began taking on water from waves coming over the stern of the vessel and capsized with three occupants on board. All three occupants were recovered by the United States Coast Guard and the vessel was recovered by a salvage company. OP1 told me, through another passenger, that the three men were doing some fishing offshore of The Breakers hotel. The seas started to pick up too much for them, so the operator decided to come back in the Palm Beach Inlet. When the vessel was northbound at a slow rate of speed, the vessel began to take waves over the back of the boat. He stated that the bilge pump was running and constantly pumping water out but could not keep up with the waves swamping the boat. At some point the vessel began to list to one side. At this time the occupants all donned life jackets. The vessel then capsized, and the occupants abandoned the vessel. The occupants managed to cling to the bottom of the vessel until assistance arrived and pulled them from the water. 
  	When the vessel was pulled out of the water onto the trailer, I observed the canvass for the T-Top was ripped and the outboard engine was leaking oil from being submerged. I also observed that the boat plug was installed. I estimate the cost of the damage to the electrical system, outboard engine, canvas top, and the lost fishing equipment to total $8,000.
  