Two business owners own identical buildings valued at $$10$ millions

There is a $5\%$ chance each building will be destroyed by a peril in any year

Loss to either building is an independent event

Calculate expected value and standard deviation of the loss for each owner if

$($a$)$ The owners are independent.

$($b$)$ The owners pool their loss exposures, and each agrees to pay an equal share of any loss that might occur.