Hmm i just been looking at the pictures, and to me it clearly is a rock stuck in the side, a hefty one at that.
Now i ain't very good with boats so bare with me.
Looking at the pictures the ship struck something on the Port side.
So the whole appears and water starts gushing in, surely the ship would have started tilting to Port since i imagine that section of the ship doesn't go right through. Is it possible that it hit something on the starboard side of the ship too ? and thats why it has listed that way thus the water having two points of entry ?
Maybe i'm being thick but it just don't seem right for tht huge whole to be facing up to the sky......
And on the discussion of key cards and that, most hotels have key cards and then on the inside have door handles like the above poster said, however you'd have to take into account water pressure and the possibility that once the shipped had tilted like it has the door is now at the top of room and some people may not be able to reach it ?