(I used to do replacement cost, mainly because of hail damage we get down here on roofs but I've decided as a matter of practice I don't want to be filing a bunch claims every time there is a hail storm.)

I told him that I just replaced the roof with brand new roof, not sure how that "bring" down the neighborhood.

On day 24 I called him because a spice rack was not installed on the inside of a cabinet door yet.

Also, ideally my goal would be to take a row house like this in my neighborhood, raise all the floors and roof so that all floors including the basement have at least 9'-0" ceilings, and turn the building into three units.

Chimney penetrations in the roof are future leaks.

I've just made the adjustment to include display network ads yesterday after seeing a webinar with another Real Estate guy showing how he is racking in leads using facebook ads which is essentially a form of display network ads.

And check that they did not omit anything from the reserve study (whether it be roads, parking areas, roof, pool, fencing, detention basins, etc); you will probably have to go through the entire property covered by the HOA to see whether they covered everything.

Would you just include the HOA dues in that 50% since they take care of roofs, maintenance beyond the walls, etc?

Also, at this time I do not know the condition of the roof, hvac, or any other major components.

However, setting aside money for maintenance each month is more geared towards not only common repairs that could come up every month, but saving for bigger repairs down the road (roof, HVAC, etc).