What is the ruling of Sharia on agreeing with a contractor to repair damages for a specific amount, then for him to submit an invoice to the insurance company for more than this amount, so that it equals the agreed-upon compensation amount, knowing that the insurance company will deduct a 20% percentage?

If the insurance company is an Islamic solidarity (takaful) company, it is not permissible to defraud it or violate the terms of the contract. It is obligatory to bear the agreed-upon percentage of the maintenance cost. However, if the insurance company is a commercial one based on gharar (uncertainty) and gambling, then contracting with it is impermissible and one must repent from it. In this case, it is not permissible to take from the amount except for the actual premiums paid.