The World Federation One Stop Fiqh
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Ruling 783

If a person does not have anything with which to cover himself while performing prayers, in the event that he has not lost hope in finding something to cover himself with, the obligatory precaution is that he must delay performing prayers; and if he does not find anything, he must perform his prayer in accordance with his duty at the end of the prescribed time. However, if he has lost hope, he can perform his prayer in accordance with his duty at the start of the prescribed time; and in this case, if he performs prayers at the start of the prescribed time and afterwards his excuse expires, it is not necessary for him to repeat his prayer.