IslamQA
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Summary (from the source)
You can do wudu naked because uncovering the `awrah or wearing shorts does not invalidate wudu.
Question
The man’s ‘awrah is from the navel to the knees, so what is the ruling on doing wudu naked or wearing shorts that do not cover the knees?
Answer
Praise be to Allah, and blessings and peace be upon the Messenger of Allah:
If you do wudu naked , your wudu is valid, because uncovering the `awrah or wearing shorts does not invalidate one’s wudu, but it is haram for you to uncover your `awrah in front of anyone except your wife or concubine (a slave woman who belongs to a man and with whom he is permitted to have intercourse).
For more, please see this category: Nullifiers of Wudu
And Allah knows best.
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