Has happened to me too, in both SHIV and SHIII.
The first few days I had SHIV, I surfaced after torpedoing a large merchant in order to finish it off with the deck gun. Once I got the word she was done for, I continued to close, to watch the sinking up close. A series of explosions began to rip through her as we got very close (coming up on her port side from astern) - I ended up with leaks bursting out all over, and my deck gun crew killed (they were on deck watching the show after securing the gun)
