Dana's home, which has a tremendous view, is located on top of a cliff with ocean frontage. Unfortunately, it also has tremendous wind whenever there is a major storm, and that concerns Dana's insurer. To eliminate or reduce the insurer's exposure to windstorm claims, the insurer might require that any of the following endorsements be added to Dana's homeowners policy, EXCEPT:
a. Limited Loss Settlement for Windstorm or Hail Losses to Roof Surfacing Endorsement
b. Replacement Cost Endorsement
c. Cosmetic Damage Exclusion—Windstorm or Hail
d. Windstorm or Hail Exclusion Endorsement