All at once the rope broke.

Crazy Jane McCarthy landed in the bottom of the rowboat.
"Save me," she screamed.
Harriet, who could not see the small boat, the deck house being in the way, continued on her course, smiling good-naturedly at Jane's noisy objections.

But all at once a crash and a yell startled Harriet.

She threw the tiller over and leaned far out.

The rowboat was bottom-side-up, with Crazy Jane McCarthy struggling in the water.