Background
The pilot had experienced two failed take-off attempts earlier in the day. They believed these failures were due to light wind and high aircraft weight. At the time of the accident take-off, the wind remained light and the aircraft was relatively heavy.
Take-off Attempt
To increase the take-off distance available, the pilot decided to start the take-off from a position outside the dimensions of the waterway. The tide was close to the low point, but the reef struck by the aircraft was still submerged.
Collision
The sun angle was low, increasing the amount of sunlight reflected from the water surface. At the speed of the collision, the aircraft nose attitude was at the highest angle for the take-off run. This condition, combined with the sunlight reflection, severely restricted the pilot's ability to detect the submerged reef before impact.