My SeaSwirl 21 DC has seating for 3 adults in the bow. However, if you put two adults in the bow, very occasionally when you hit a wave just right, the bow will catch (not cut) the wave and lurch left or right. It could cause the driver to fall, if he is standing.
If the bow seating is empty or you have up to 3 kids in the bow, this never happens.
It is obviously a design flaw, however, it is impossible to create on demand.
Reading the bulletin, I still do not know how the passenger was washed overboard. He must not have been seated. Maybe he was hanging over the bow for some reason?
I have occasionally taken waves over the bow on a bowrider. This occurs when a closed bow would have taken water onto it, as well. You can get wet, and the boat is weighed down, until the water is pumped out, but as long as she doesn't sink immediately, and the pump is working, and it is a single wave, you should recover.