On a recent trip, I was riding on a four lane divided highway in a fairly heavy rainstorm. The terrain was generally flat, and traffic was light that morning. I felt comfortable with my pace, and would occassionally use the passing lane to get by vehicles that were going slower than me. Parts of the highway were in the process of being repaved. The right lane was getting a new top layer of asphalt first, and the passing lane would get its layer next. So there were sections of road where the right lane was higher than the passing lane. As I was passing a slower vehicle there was a bump in the road as I transitioned from a freshly paved portion of the passing lane to a soon to be paved section of the passing lane. Of course the right lane has already been paved, and is now some inches higher than the passing lane. So I am stuck in the passing lane, and very reluctant to try changing lanes because of the height difference between the lanes. Note to self: water goes downhill. With the combination of more water flowing from the right lane, plus the rain itself, plus a dip in the road, I hit a puddle. No let's call it a pool of water, that feels like I have hit a brick wall. The bike slows about 20 mph in an instant, and water splashes at least knee high, but probably if you were an observer behind me, the splash would have been higher than the top of my helmet. Fortunately, the bike is upright, I am still on it, and we are moving forward. Before I have completed processing what just happened, there is a second pool of water that I ride through almost immediately. Same effect, I lose speed, big splash but stay upright. I feel like I was lucky that day. I hope this helps you to avoid a similar situation. Be safe.