Hey @David Dam Thanks for introducing yourself!

Read more about ADUs and Tandems at:https://www.denvergov.org/content/dam/denvergov/Po...If you split the lot and had separate legal descriptions for each house, however, you would not be allowed to do Airbnb on either house. * So save that step until you are ready to sell.

Grab a shovel and get the snow removed.. the ice dam guys that's the way the ice dam guys do it so if not a 10 story building and you have a way up there grab a small snow blower, smooth shovels and work the area near the leak first.. my nephew has a ice dam business in Minnesota,, and that's what they do.. min 125.00 a hour. for 2 hrs is average call..or call some ice dam services in your area.. 

How are those ice dams coming along?  

Sadly, a third person, with the best of intentions, hooked up an extension cord to a hair dryer to melt the ice sickles caused by damming.

typically shingles will run you $20/bundle (3 per 100 sq ft or 1 Square) for lower end, install depends much on tear off and prep or shingle over and prep, we have opted for Steel when ever reasonable to do so, it costs about 10-20% more up front, but will out last me, and does not have Ice damming problems we see with regular shingles in the north. standard shingles, you can expect about 1/2-2/3 the stated warranty actual life span, so 40 year shingles will last about 20 years, but steel, even 40 year has been known to far exceed the 40 year warranty, I can typically get a roof done in steel with a 2 layer tear off, and steel installed for around $4-6K for a 13 Sq roof thats material, labor and disposal, I just has a 11 sq one does with dimensional shingles (steel wasnt practical) for $2,700 including tear off and disposal. keep in mind, the cheap guy may not be the best value, there are a lot of hacks out there, and anyone with a pitch fork, a hammer and a nail gun calls them self a roofer. 

I've used Beaver County Credit Union in the past and it has worked out well - one of a few dozen examples in the area I'm sure.

Recently, when the tenant moved out, they took all the dam light bulbs.  

Hey,  Shawn, The funniest thing about those dam blades!

Here is the language straight from the ISO form CG-00 10We will not pay on a replacement cost basis for any loss or damage: (1) Until the lost or damaged property is actually repaired or replaced; and (2) Unless the repairs or replacement are made as soon as reasonably possible after the loss or damage.We will not pay more for loss or dam- age on a replacement cost basis than the least of (1), (2) or (3), subject to f. below: (1) The Limit of Insurance applicable to the lost or damaged property; (2) The cost to replace the lost or damaged property with other property: (a) Of comparable material and quality; and (b) Used for the same purpose; or (3) The amount actually spent that is necessary to repair or replace the lost or damaged propertyIf the insurance company will not pay until construction is finished and will not pay more than the actual amount spent there is no conceivable way to make money from getting a lower bid when you have replacement cost coverage.