Here is how it works for me with no Servlet use.
Let's say I am trying to access web.xml in project/WebContent/WEB-INF/web.xml
In project property Source-tab add source folder by pointing to the parent container for WEB-INF folder (in my case WebContent )
Now let's use class loader:
InputStream inStream = class.getClass().getClassLoader().getResourceAsStream("Web-INF/web.xml")