RedactedNarrative: The watercraft was pulling a wake-surfer. The operator got the boat up to approximately 10.8 MPH and hit a submerged rock just under the water. The operator could not see the rocks under the water. He described feeling like they hit a wall, going from 10.8 MPH to 3 MPH in one second. There were no injuries. Life jackets were not being worn. Alcohol was not a factor. There was damage to the boat.