is this considered a defect, the electrical section just says-
“Again, the rating (or fuse or breaker size) of the disconnect relates to the total amperage available within the home. If the main disconnect is, for example, rated only at 100 amps, it doesn’t matter that the SECs are rated for 200 amps.”
Andrew, it doesn’t matter that SEC, Service Entrance Cables are rated for 200 amps or 400 amps and the main disconnect is rated at 100 Max ampacity. As long as the main disconnect rating is equal to or lower than the power/ampacity feeding it.
Remember, enclosures are part of the mix and can be rated to maximum ampacity as well. The main disconnect must be equal to, or less than, the maximum enclosure rating. An enclosure rated for 200 Amp of power it is safe to install a 200 Amp or less main disconnect.
Let me try to explain this another way. You do not disconnecting from the SEC. Service Drops or Underground Laterals Provide All Power. There is alway power unless the electrical grid goes down. Then it is down for that entire grid.
The SEC Service Entrance Cables Drop or Underground Lateral are supplies and repaired by PoCo, Power company, and fed/feed to the service enclosure or to a main disconnect.
Where the home’s power is rated, both the main enclosure and main disconnecting means. For a home, you disconnect in service panel.
Most homes require an electrical service of at least 100 amps. That would be a reference point for required ampacity.
To size an electrical service, look at the main components of the homes electrical distribution system. SEC, the conduit, the meter, the panel and the main breaker. Whichever has the lowest amperage rating is your overall home’s electric service rating.