I have noticed that in the few secs or less when it has become apparent to the crew that the boat is going over there are often (in hindsight) a funny exchange of words.
My first time flying a hull (with main sheet firmly cleated off-DUMB), the windward hull picks up out of the water and here was the exchange as the hull increased in height:
Girlfriend: I don't like this
Me: neither do I
Girlfriend: What do we do?
Me: I don't know
Boat goes over
Now we know what to do.