Creating and using a reflection map
Here's a quick step by step of how I'm ucrrently using a reflection map with phototextures to get reflections in my renders. It's still something I'm experimenting with and there may be better methods to produce the same result but for now this works for me.
Step 1: Grab a phototexture
Step 2: Open it in Photoshop or GIMP (any editor will do!). I prefer GIMP for this stage as the selection tool is quicker to use.
Create a new layer and fill it with black. Set the opacity to 30% for the time being. Using the selction tool select the glass in the windows and fill it with about 80% grey. The lighter the grey the more reflective the glass will appear.
Repeat this for all windows and set the opacity back to 100%. Save the resulting map as a jpeg.
Step 3: Add the phototexture as normal to the model in SU. Export the scene to KT and then edit the material you used for the building. I create a new layered material and on the first layer at a matt/phong layer and set the diffuse to the phototexture.
Create a second layer of diametric glass and add the reflection map jpeg to the reflection setting of the material.
Apply the material and once rendered the glass should have reflections. You can play with weights etc to adjust the reflectivity.
As I say I'm fairly new to KT and SU so this might not be the best approach. On downside I've seen is that the glass can appear to "float" slightly on some textures which is due to the shadows etc in the texture. It's only noticable closeup but I'm playing with options to see if I can improve the look further.
I hope this helps.