I would go fishing with a slender, telescoping, quality magnet before tearing the cover off. If you get all the chunks and can reassemble the washer in it's entirety after fishing have a beer. I have a Snap-On one that is tiny, but will lift a wrench. Don't try it with a Dollar Store jobbie as you may only have one shot at it.
If you can't then the front cover has to come off.
Mike.