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Chicago has adopted IRC Codes for roof installations. The code is a little vague in regards to Ice & Water Shield however it does state that in climates where ice can form on the eaves, a double layer of underlayment sealed or self-adhering mod bit sheet (Ice & Water Shield) should be used on all eaves where ice can form. Does snow & ice happen in Chicago on a yearly basis? If your answer is "yes" then I think you just answered the question.

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