X is the random variable representing an insured$$s annual storm losses.

Y is the random variable representing an insured$$s annual fire losses.

The joint distribution for X and Y is as follows:

An insurance company provides an insurance coverage that will reimburse $10\%$

of the insured$$s annual storm losses and $60\%$ of the insured$$s annual fire losses.

Calculate the annual expected losses that are NOT reimbursed by the insurance company to an insured under this insurance coverage.