Unfortunately, this is an alpha grade game. Think of it as early release, or some other means of conveying that bugs occur, crashes occur, and the devs do their best to prevent or fix said problems, but there isn't a viable means of restoring any losses due to those errors. Take great caution when travelling, and always avoid water, even by boat, but especially swimming. Many have known death to server crashes while boating.
If you wish to see a dev comment on such matters, I'm sure jorb will come around and say that there's nothing they can or will do, but you can see basically the same thing here:
viewtopic.php?f=47&t=42931&hilit=swim%2A+crash
Opinions expressed in this statement are the authors alone and in no way reflect on the game development values of the actual developers.