21. Construction costs often surge following large catastrophes. Which one of the following measures an insurer might adopt could reduce the insurance-to-value problems this creates for policyholders? a. An endorsement that decreases deductibles for catastrophe-related losses b. An endorsement that increases deductibles for catastrophe-related losses c. An endorsement that increases policy limits for catastrophe-related losses Od. An endorsement that increases policy premiums for catastrophe-related exposures