snow will do it too... I'm getting into a house hopefully next month and I plan on putting flood, fire and all sorts of coverages on it.... homeowners insurance isn't something to mess with as far as I'm concerned...

 

How would you get enough snow in the shield? My filter is fairly well protected from rain, but a flood is another story. I can't see how snow would get in there unless the shield were removed. Considering the scrapes on it, I think it's pretty necessary!