Love these umbrella photos.
I guess you would have had to create one, like take out your umbrella, get a piece of paper and write "I couldn't find an umbrella photo with paper" on it and take a photo. LOL
I have never read the rules whether it had to be something you already had or something you made for the contest.
A newly created photo specifically for the challenge is always fun! I'd love to see an entry that you create!