When you look up various web sites advocating consumer help or protection, you often get the advice to ask for three quotes. The idea is that by getting these quotes, you are protecting yourself from contractors that are going to overcharge you, or from contractors who are undercharging because they are unqualified. This is excellent advice, but it usually doesn’t go far enough. As always, the really important stuff is in the details (the fine print). Let’s examine the issues.