This happened near where I live, and the coverage is more detailed here. They were sailing between the barrier bars and the shore, in an area with rapidly shifting sandbars. They hit one. Nothing was wrong–I mean the boat wasn’t sinking, and the depth there is generally 9-20’. But they decided to abandon the sailboat and swim to shore. They probably could have got it off the bar and got into port to have it checked for damage. If they had thought to save money for such eventualities.
Anyway, now they’re running a GoFundMe seeking to recoup their losses. There’s a lot of derision here about that.