RedactedNarrative: Vessel 1 was returning to the marina after fishing and the weather turning bad.  Vessel #1 operator told me that he was riding the waves to the shoreline to avoid heavy waves.  The Operator noticed that the engine was bogging down and not responding to the throttle.  The passenger went to the engine to see what the problem was.  The Operator said that the passenger yelled for him to stop.  
  
  When the operator stopped, he said he saw that the vessel was taking on water and the bilge was pumping at a high rate.  The operator then dumped the water from the live well and was trying to see where the water was coming in when the vessel went bow up and capsized, throwing the occupants into the water.  
  
  Flares were set off and a nearby vessel responded and pulled them onboard.  The USCG responded and left, stating that it was no longer a rescue and was a salvage job. The good Samaritan brought vessel 1, occupants to the 72nd marina in Cleveland. Vessel#1 washed ashore in Mentor Ohio on 10/05/2020, and the Cleveland Marine Towing company is awaiting better weather conditions to retrieve the vessel. Vessel #1 was towed away by subcontractor Underwater Marine Contractors, on 10/09/2020. Everything was in proper place in the hull and bilge locations.  Nothing physical or mechanical was seen to have caused the vessel to submerge.  Low transom - appx 36" with less than 1' freeboard in water.
  
  
  Improper loading:  Passenger in back appx. 6'2" and 300lbs + Kicker motor mounted on back.
  18 gallon live well mounted next to engine.
  
  When Sgt. and Officer met with the Insurance adjuster, they found no issues with the hull.
  