[dad911]

IDK how to rebuild the panel to get a disconnect. I suspect an electrician (what I would do) is swap the whole panel.

There are also meter pans with disconnect breakers. Some areas require that now so in case of emergency (fire/water) they can cut power outside.

Also of concern, and I'm not sure anyone said it, is I don't think you can use a standard panel exposed to the elements. I've had to build roofs & plywood box around even temporary electrical services. Pool subpanels (typically mounted outside) have gasketed doors, etc.