Originally Posted by
dem
I think the reason here is the height of the camera above the water level.
When we look at a landscape shot of trees or mountains reflecting in a lake, the actual trees match their reflection very well because the camera is pointing almost parallel to the water surface.
When you shoot bugs on water, the camera is pointing downward and there is a big difference between the bug and its reflection. In this case the camera can see the view from above while the reflection shows the view from below.
We cannot see her (if my hunch is correct) reflection because it is blocked by the leaf.