Spec, Try this, It might work. Take some radial lights and put them low to the water, I gives a blue tint to the water similar to shallow water. But be careful, too many in one place creates bright white light on the water. Place in choice spots, soften the main spotlight, lengthen the length of it in a direction and hopefully if you fool aroud with that you can create a reef/sandbar effect thats common near Islands.
Hope that helps!
-wh469
Edit: Also, make the edge of the light uneven or you'll get an unrealistic reef. You could also make it shallower in some places and deeper in others. I hope you fix your problem!
Hope that helps!
-wh469
Edit: Also, make the edge of the light uneven or you'll get an unrealistic reef. You could also make it shallower in some places and deeper in others. I hope you fix your problem!