This is the second time I've seen this happen in the last several years. A young woman was riding through about 15 feet of 3 to 4 inch deep water, and didn't know there was a sheet of ice under it. Front wheel started to slide and down she went. I stopped to check on her and see if she was OK or needed assistance. She was one angry wet rider. Never recall hearing that kind of language from a woman before. No injuries on her or bike. She said she had a 12 mile ride back home and was soaking wet. I had a windbreaker in the handlebar bag, and offered it to her. Don't know if I'll see it again, but she sure needed more than I did.
So, for those of us in colder climates, watch riding through those big puddles!