Hi, there's no such thinkg like index of refraction for a wet rock - since it has to be refractive - that means at least a bit transparent. Since the rock is fully opaque u dont need an index of refraction (at least not a specific one - u might use 1.333 if you have to). What you are after is a nice reflection, not refraction. I am not an advanced TG user, but u might take advantage of fresnel reflection - which is true for almost all things around us.
Cheers