In FS9 this is caused by turning Reflections off in the Display settings under the aircraft tab.
Attachment 89595
In FSX that option does not appear in the aircraft tab.
Attachment 89597
I would first look for some other setting that is killing the reflection.
You may want to look in your FSX config in the [GRAPHICS] section.
[GRAPHICS]
AC_SELF_SHADOW=1
AIRCRAFT_REFLECTIONS=1 <----- Not in the options above at least by that name. Make sure it is a 1.
AIRCRAFT_SHADOWS=0
ALLOW_SHADER_30=1
COCKPIT_HIGH_LOD=1
D3D10=0
EFFECTS_QUALITY=2
GROUND_SHADOWS=0
..... SNIP
The other thing I would look at (although a stretch it is) is bump map and specular textures. They don't exists since this is a port over but that screen shot looks like what happens when you assign a bump texture to a material but the actual texture is not in the texture folder. It causes the aircraft to go all dull and loose any reflective properties.
To test to see if it is some freaky bump/Specular anomaly simply steal the C172 textures and drop them (one at a time) into the appropriate HJG 990 texture folder. Rename the files to 990_A_T_XXXX.dds. XXXX will be bump or Spec depending on which one you are testing. Fire up the sim and see if there were any changes to how it is displayed. Unless something is really freaky there should be no change. If those textures actually get applied you will notice a difference.
C172_t_spec.dds = 990_A_T_spec.dds
C172_t_bumb.dds = 990_A_T_bump.dds
990_A_T is the name of the Fuselage textures front and middle.
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