Hajj & Umrah

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?