my foreman smokes

[1badforeman]

i have a foreman 400 that smokes because i ride it hard and put it up wet and i have tried some deep well to deep water holes for it and just wandering if any one can tell me what might be wrong with it i think i know i just want to have a better idea

[Patman250]

what color is the smoke?

white-water
black-fuel
greyish blue-oil

[irideahonda4]

might need a top end rebuild buddy. oh, btw...has any water got in that motor?