Do wet shirts do this?

I had no rashes at all while I was swimming in the ocean, but now six hours later, I'm red in my chest where it was wet on my T-shirt and have chest pains. (I took a shower in a rush, causing my shirt to be soaking wet.) ((I know it's not anything heart related since I literally just went to the doctor's about a week ago.))
Do wet shirts do this?
Post Opinion