RedactedNarrative: Vessel 1(FL 0964 RY) 28' Bay Boat, twin motors, remote steering was in Lake Pontchartrain at approximately 2200 on the night 04/09/2020. Inclement weather approached from the west, causing the vessel to take on water both from the stern and the bow. Excess amounts of water entered Vessel 1, making it capsize. Operator of the vessel was recovered, alive the next day. Passenger of the vessel was found deceased in Lake Pontchartrain later the following morning. Operator had a Type 1 PFD under his arm at the time of the capsizing. Passenger did not have a life jacket on. Neither subject knew how to swim. Drugs or alcohol is not considered to be a factor in this boat accident. Primary factor is operator inattention. Secondary factor is weather.