When sky is overcast, one can do water reflection photography even in the afternoon. Adjust the angle of the camera for shooting to get a good composition.
Use a high aperture number such as f/11. Hold your camera firmly and focus it on the actual reflection and press the shutter button.
You must try water reflection photography both on a clear day and a cloudy day. You may use a circular polarizer or split-ND filter can provide a good contrast between a scene and its reflection. But it is optional since professional use such devices to get good effects for such photography.
The inset photograph shows the reflection of trees in an artificial water body outside the Mumbai airport.