This expression can also be used to criticize someone's decision-making or action is not cautious or unpredictable, because they are not prepared in advance, but wait until the problem arises before taking action. It means to be prepared before things happen, not to wait until later to take countermeasures.
In a word, "rain before opening an umbrella" conveys a passive and careless attitude and emphasizes the importance of planning and preparation in advance.