The splash

Those lines towards the top of the image? That big rush of water crashing towards you?

Yup. This is why you need to keep an eye on the waves ... cause they can and will cover you and your camera in water.

I think the camera is okay though.

Interestingly, there was only 1 drop that made it to the front of the lens.

Sidenote, this was handheld (well, balanced against a rock). Yay for stabilisation.