There is a house with an overhead service and the utilities kwh meter mounted on the house. There is no disconnect on the outside of the house. If I put a detached garage and want to run underground to it and put a 100 amp panel in it, do I need to add a disconnect by the meter socket at the house and run a 4 wire service to the garage or can I get by with running a 3 wire directly from the meter socket to the panel in the garage? Thx.