2 meter upgrade question

[sd4524]

Today i installed a new 200 amp service with 2 meters and 2 main breakers. Each meter socket and main breaker is rated 125 amps. I installed a 100 amp breaker and fed the main house with #4. The 2nd meter and main breaker is for a tiny little cottage located behind the house. I installed a 2 pole 15 amp breaker and installed a new feed to the existing cottage. The cottage is about 10 feet from the main house.
Both meters and main breakers are on the main house.

1. I dont think I need a ground rod and cold water bond at cottage becaue it is only 2 circuits. Inspector thinks I do.
2. Do I need a seperate disconnect/ breaker at the cottage? You can't see the cottage from the meter equipment.
3. The feed for the cottage is attached to the main house and then goes underground. Could I have run that feed through the main house?

I hope my question is clear

 

[jumper]

Today i installed a new 200 amp service with 2 meters and 2 main breakers. Each meter socket and main breaker is rated 125 amps. I installed a 100 amp breaker and fed the main house with #4. The 2nd meter and main breaker is for a tiny little cottage located behind the house. I installed a 2 pole 15 amp breaker and installed a new feed to the existing cottage. The cottage is about 10 feet from the main house.
Both meters and main breakers are on the main house.

1. I dont think I need a ground rod and cold water bond at cottage becaue it is only 2 circuits. Inspector thinks I do

2 circuits or a MWBC?

2. Do I need a seperate disconnect/ breaker at the cottage? You can't see the cottage from the meter equipment.

Yes

3. The feed for the cottage is attached to the main house and then goes underground. Could I have run that feed through the main house?

With a disco for the cottage feed on the house I believe you can.