In this case, the near hurricane force winds are likely the largest contributing factor to the capsizing of the boat. A perfectly engineered boat, if not engineered for hurricane force winds, would also likely capsize. Weather can be hard to predict, but there were warnings issued and someone obviously 1) wasn't aware of the warning 2) ignored the warning or 3) thought the boat would be back in time before the winds kicked up. Breaking t-cells can make a calm day turn really quickly.
https://help.webex.com/en-us/WBX44739/What-Does-End-to-End-E...