Here's the latest exchange I had with DJI about this:
Hi Wayne. So if you found that it did not crash do to user error, do you have any theories as to why it did crash? My only theory is that spray coming off the waves hit it, and maybe shorted something out, like the motors. Seems like that would generate an error message, like low voltage, which never did appear. Another member of the Mavic Pilots forum noticed that it seemed to be making a controlled landing, rather than dropping like a rock. Do you test the motors by pouring saline water, same salinity as the ocean, into the motors while it's hovering, to see what happens? Steve
Their reply:
Dear Steve,
Thanks for getting back to us.
For the price, may I know if you are locating in Philippine. I will infrom our local service center to send the quotation to you after sharing the address with us.
Regarding the specific reason of the accident, we suspect that it was carshed by the sea wave finally but the aircraft did not responed very well. Therefore, we thoght it was not pilot's error.
Should you have more questions, please feel free to let me know.