I see now i should have said 2.8 kwh not 28 kwh and yes the rules is 80 % of the service but if your close or over id upgrade the service, to be safe, by close id say 34kwh but if your only pulling 20k at best isn't it like 44k you can actually use on a 200 amp service before shit starts popping breakers and fires start and can use safely is 36k,unless your over loading a breaker and the rule for breakers is 2400 or 2.4 per 240 line with a 30 amp breaker is 80 % and on a 120 it is around 1800 or 1.8 is 80 % 15 amp 20 amp i believe is 2k with 120,all depends what breaker you use 15 20 or 30 amp and wire ,so shop around or find out just what you need it is Prolly like you said run lines with the right breakers and not a new meter or this or that but something really simple and cheap, so shop around
find out the avg cost were you live get three or more prices to make sure.
Ive found out in the past there are some greedily jerks out there that have no problem with taking a 80 years old last dime.
I'm 60 but help a 80 year old that all most had it done That asks me to help .
and the inspector sounds right and the electricians is well or saw $$ signs because of your life style .
yes i agree wtf is it there worry if you/i pay my bill on time why should it mater how much you/i use as long as it's legal they need to back off .
cya