I have used a Spesch stamp (my favourite... I wonder if you can guess why) of a girl with an umbrella... her name is Samantha!!
#1 - I have used Xpress It Clear gel to create a glossy puddle and water droplets - you can also use Glossy accents/ Dimensional Magic... I also added some opaque white over the gloss to give it a bit more "dimension"
#2 - I left the areas for the water droplets without colour then at the end added in blue and then opaque white
Hope that the pictures and instructions make some sense!!
I also hope you might join us in our current challenge