Question

Air respects to water image formation

Answer 1

Air is lighter or less deeper than the water.
In air the light travels more easily than water and due to this refraction occurs and image is then formed.

Answer 2

The person won't see any image provided he's looking through a large enough angle as the light rays don't intersect at the surface but 'appear' to intersect elsewhere (assuming the total reflection of course). And that elsewhere will be visible only when seen from under the surface of water at a proper orientation of course.

$hope \: helps$