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I've read a few articles with first hand reports about Whaler "swamping" which I take to mean filling with water. In every case it was reported that the engine power head remained above water. If the boat can be kept upright and if the engine can be started allowing the boat to power forward this has always resulted in forcing the water out over the transom and eventually through the scuppers. The bilge pump, if any is probably in play as soon as it's discharge outlet is above the water.

I suspect that boats with bilges and below deck fuel tanks will take on much more water and sink deeper than Sports and Montauks with virtually no bilges and smaller portable fuel tanks.

At least a Whalers flotation keeps the boat essentially level unlike all but a couple of other builders boats.