RedactedNarrative: Operator went out fishing with a friend during a small craft advisory/high surf warning (wave heights of 7-11 feet plus) during hurricanes/tropical storm Jose and Maria lingering in the Atlantic Ocean.  
  
  There was dense fog reducing visibility.  While transiting back to the entrance channel of the river a 20 foot wave came and broke on top of the vessel causing it to capsize throwing both persons in the water not wearing life jackets. 
  
   They treaded water in the surf zone and observed a cooler and swam to it and held on to either side to stay afloat.  They eventually made it out of the surf zone.  At this point the operator was able to make a phone call to his wife who called the PD and then the harbor master.  While waiting for the rescue they floated out of the surf zone and into the channel where they observed a mooring that they swam to and held onto until recovery.  No injuries.  Vessel a complete loss.