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Create a Levels Adjustment Layer with the settings shown below and clip it to the umbrella layer to darken it.
You can see there’s a side of the umbrella that’s way too light. Create a new layer and clip it to the umbrella layer. Change the blending mode to Luminosity and sample a color from the red umbrella. Paint over the light area to darken it.
Let’s add some highlights to the umbrella. Create a new layer and change the blending mode to Overlay. With a round soft brush at 10% opacity paint gently over the left side of the umbrella to create the illusion of light there.
We will have rain coming from above (we’ll create the rain in later steps) but for now let’s add some splashes on the umbrella. Download the “Water Splashes” resource and extract the folder with the splashes somewhere on your computer. Open one of the splashes that you think will look good with Photoshop and copy/paste it in our scene over the umbrella. Press Ctrl + T to enter Free Transform, right click on the splash layer and choose Warp. Move around the handles to make the splash bend around the umbrella curvature. Once you’re done lower the splash opacity to 71%.
Add a layer mask to the splash layer and hide all the areas that fall within the umbrella – leave just the splashes that are somewhat on the upper edge.
Create a new layer and using the Dynamic Splash brush we created at step 11 add some more random splashes on the top of the umbrella and some water drops coming down as shown below. Use different brush sizes and opacities to randomize the effect.
On a new layer set to Overlay blending mode paint with a white chalk brush some highlights on the upper edge of the umbrella.
On a new layer set to Color Dodge blending mode paint with a white round soft brush at 30% opacity some mist on the edge of the umbrella.
Create a new layer and paint some more water splashes with the Dynamic Splash brush as show below. It’s important that you use both large and very small brush sizes to achieve a pleasant effect.