You have to live in NY and NJ to understand why.

The Contractor's WC and GL insurance alone is astronomical and built into the price.

Yes, I can save $ by shopping at Lowes or HD or doing some work myself but on the latter I don't have time. Between the 3 bids and what I know of the area we aren't getting gouged. We're not getting a deal but we aren't getting gouged.

Believe me I wanted to move to NC or NH but life and stuff happens.