Before I reformatted my computer I had all those textures
Do you mean you had reflective water effects before? That means the card must be compliant with Directx 8.1 or above so it could be a number of things (best to wait for someone else to clarify with these things, I'm not liable if they screw up your computer ::))
-Video drivers - latest versions
-Directx - if you go to "start" and then "run" and type in dxdiag. Then run some of the directdraw tests.
-Are you sure the textures you are using are reflective. I don't know if its possible to install textures that don't reflect for earlier cards (like my gf 4 ;D).
-make sure the reflection settings are at high in your main display menu. If they don't stay at high though it seems that the driver's you've installed don't support the reflections or msfs doesn't recognise them as supporting it.
Like I said, wait for someone more experienced to clarify any of this.
