I believe that in The Sims 3 when a Sim goes swimming and they use footwear or headwear, it is removed once they are in the water. I'm disgruntled to see that the Sims here swim around in their sandal...
I saw that someone else had taken advantage of the ability to have multiple outfits of the same type and they'd design one "in the water" swimsuit and one "on land" version with hat, shoes, etc, then just change them when they were in the expropriate situation. So I've been doing the same thing, including sometimes using the "cover up" outfits as the "on land" version.
Worked for me so far.
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