If the property is damaged, who bears the loss?

The answer depends on the cause of the damage.

Loss related to shared ownership of the asset differs from damage caused by trespass or misuse by a specific party.

Document the damage immediately and review the insurance/takaful, contract, and ownership percentages before paying any amount; don't assume the client is responsible for everything simply because they reside in the property.

Source

• AAOIFI — Sharia Standards