Usually arithmetic. Base era services at 60 to 100 amps were sized for a house without modern kitchen loads, electric dryers, and central AC running simultaneously; three ranking operators in this market list panel upgrades because the finding is that common. The diagnosis separates the cases: one circuit with a genuine fault is a repair, while trips that follow load combinations across circuits point at service size, answered by a load calculation and, where it confirms the arithmetic, a 200 amp upgrade scoped in writing with permit and meter coordination included. Ask for the load calculation either way; it is the document that makes the verdict checkable.
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