What can a person
    who has insurance take when disaster strikes?
Question

                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 Allah.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.