2352: What can a person who has insurance take when disaster strikes?
Legally, we are obligated to have house
insurance in the state of Minnesota so we make regular payments. Recently, our house was
damaged in a storm. Is is lawful for us to make a claim on the house or should we avoid it
to be involved in the system as little as possible?
Jazak Allah Khair.
Praise be to Allaah.
If you are forced to take out haraam insurance, then it is permissible for you, when receiving compensation for the disaster you mention, to take all that you have previously paid – anything more than that should be given in charity. And Allaah knows best.
Sheikh Muhammed Salih Al-Munajjid