No one is saying it is Ford's problem. Their design was fine. The problem is idiots thinking they need to believe advertising and adapt a K&N to it, eliminating the air box to follow instructions.
The fact that it got wet is just a normal condition here. When it rains the streets fill with water. Wheels and fans pick up that water and throw it everywhere. Any filter that does not use an air box is susceptible to the same. In this case, the K&N, whether by design or negligence contributed the dust.
I have another case that IS Ford's fault. The made in Thailand Ranger pickups last year had their air box, but with the intake down at bottom of the side near the fan. Out of 400 sold here, there are at lease a dozen hydrolocked, and several other dozen with spun or worn bearing where the dealer built back oil pressure with 20W-50 to compensate the wear from water-filled oil.
Those that actually spun within the 100,000 km warranty were repaired, but no change to the air box since the dealer insists that Ford never makes mistakes.