Fox left Jamaica on 5 September 1799 to land General Bowles, the chief of the Creek Indians, on the Gulf of Mexico.

On the 28th., while the master was taking soundings, she struck a reef off Dog Island, Apalachee Bay, Florida about 9 miles from the shore.

The reef pierced the bottom, she filled rapidly with water, and fell over on her larboard side.

The boats were all stove in so officers, crew, and General Bowles spent the night in the rigging expecting her to go to pieces at any moment.

At daybreak they managed to get some casks of pork on to the reef and by noon they were all safe there when the schooner rolled over and broke up.