The Mega Corporation insures its 15-year-old building for its full replacement cost under an ISO BOP that has no endorsements. The building was recently damaged by fire and the loss was equal to about 60 percent of the building's replacement cost. Local ordinances required Mega to spend an extra $100,000 to add an elevator to bring the building up to the current building code standards so that disabled persons can better access the second and third floors. How will the BOP provide for the expense of this upgrade due to the local Ordinance or Law