Fix build_exclude_hashes fails: UnicodeDecodeError: 'charmap' codec can't...

Fix build_exclude_hashes fails: UnicodeDecodeError: 'charmap' codec can't decode byte 0x81 in position 2244: character maps to <undefined>

On Win11 I always get

codespell................................................................Failed
- hook id: codespell
- exit code: 1

Traceback (most recent call last):
  File "C:\Program Files (x86)\Microsoft Visual Studio\Shared\Python39_64\lib\runpy.py", line 197, in _run_module_as_main
    return _run_code(code, main_globals, None,
  File "C:\Program Files (x86)\Microsoft Visual Studio\Shared\Python39_64\lib\runpy.py", line 87, in _run_code
    exec(code, run_globals)
  File "C:\Users\Joerg.WORLDWARTWEB\.cache\pre-commit\repox5gyvwwr\py_env-python3\Scripts\codespell.EXE\__main__.py", line 7, in <module>
  File "C:\Users\Joerg.WORLDWARTWEB\.cache\pre-commit\repox5gyvwwr\py_env-python3\lib\site-packages\codespell_lib\_codespell.py", line 747, in _script_main
    return main(*sys.argv[1:])
  File "C:\Users\Joerg.WORLDWARTWEB\.cache\pre-commit\repox5gyvwwr\py_env-python3\lib\site-packages\codespell_lib\_codespell.py", line 862, in main
    build_exclude_hashes(options.exclude_file, exclude_lines)
  File "C:\Users\Joerg.WORLDWARTWEB\.cache\pre-commit\repox5gyvwwr\py_env-python3\lib\site-packages\codespell_lib\_codespell.py", line 443, in build_exclude_hashes
    for line in f:
  File "C:\Program Files (x86)\Microsoft Visual Studio\Shared\Python39_64\lib\encodings\cp1252.py", line 23, in decode
    return codecs.charmap_decode(input,self.errors,decoding_table)[0]
UnicodeDecodeError: 'charmap' codec can't decode byte 0x81 in position 2244: character maps to <undefined>

The proposed change fixes this for me