This kind of depends on what relationship you had with housemate.
Do they know you like being naked?
Do they actually care?
Why were you naked In the first place. Where you doing something sexual so maybe embarrassing or just walking around so not embarrassing.
I would totally cover up lol
Instinctively yes though if caught unexpectedly might freeze in paralysis briefly!
This kind of depends on what relationship you had with housemate.
Do they know you like being naked?
Do they actually care?
Why were you naked In the first place. Where you doing something sexual so maybe embarrassing or just walking around so not embarrassing.