Area below the navel becoming exposed while performing Tawaaf in ihraam

Q: When wearing the ihraam cloth and performing tawaaf around the Ka’bah Shareef, I am afraid that part of my awrah (a small area below the navel) will be visible at times, despite me wearing my ihraam belt in which I keep my money etc. 

If part of my awrah is exposed, will the taawaf still be valid? Will I have to pay any compensation for it? 

Inheritance

Q: If I have to pass away (wife), what shares will they inherit & what will go to my 4 daughters, husband, my mother & my father? 

If my husband has to pass away, what shares will I (wife), my 4 daughters & his mother & his father?