Well, I fell out of my paracommander over the Barnwell county sc reservior in 1971. Week in the hospital i will never forget.
SOP was to drop the chest pack, unhook the chest strap, pull the saddle up under your but and unhook both leg straps. When your feet touch the water, swim to the right or left of the parachute.
Mine surged and the saddle slipped up and i went back into free fall from about 200 feet; flat and stable right into the water. Some 15 yr old kid found me in a tree about 20 feet down and hauled me up - his dad hauled me in. The pick up car was at the boat ramp and took me to the hospital close by. I got my water jump, and the USPA changed the sop to retain one leg strap until the feet get wet.
The nick name Para Frog stung for a while.