You're right to be concerned. Water damage very often leads to a total loss of the DSLR. Most manufacturers won't even bother to try to repair water damage because of long-term risk of corrosion.
I wouldn't use an umbrella on a non-waterproof DSLR. A gust of wind or a bobble with the umbrella can leave the camera water-splashed. But that's just me.
There's the plastic bag approach that Daoust mentioned. There's the "buy a weatherproof DSLR" approach, and then there's the "buy a waterproof digicam" approach. I went with the latter.
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