Answered by Faraz Rabbani
Question: Can wudhu be performed when naked? For example, when taking a shower, can the intention of wudhu be made?
Answer: In the Name of Allah, the Benevolent, the Merciful
Walaikum assalam wa rahmatullahi wa barakatuh,
I pray this finds you in the best of health and spirits.
The sunna is to be covered when performing wudu’, and to avoid uncovering except when there is need–and to limit the uncovering to the extent of the need, both in duration and extent. [Tahtawi/Shurunbulali, Hashiyat Maraqi al-Falah; Ibn `Abidin, Radd al-Muhtar]
The Prophet (Allah bless him and give him peace) expressed this beautifully by saying, “Allah is more deserving of one’s shyness than people are,” when asked about uncovering when alone. [Tirmidhi, Abu Dawud, Nasa’i, and Ibn Majah]
This is also true for the wudu’ that is sunna to perform before the ritual bath (ghusl). It is best and most proper to make this wudu’ before uncovering for the bath or shower itself.
And Allah alone gives success.