I'm going to disagree, what would be the difference if I ran one 200amp main panel, and 2 - 20 circuit sub panels fused at 100amps each? Why would you need a 400amp service if the calculation doesn't need it?
Ok, see what your doing here. I did something like this on my own home. My install is very close to yours. this is what i did
fist panel 200 Amps main disconnect\ transfer installed outside of home. 2nd ( sub) panel 100 amps, 3rd panel (sub) 100 amps. The main panel is just a 200 breaker with a transfer switch; that’s it nothing else. 2nd and 3rd panels are subs. 200 Amp meter service. My load cal was 180 something amps on my home. You can add breakers in the subs, but you don’t have to. i did add 100 amp dissconnects to the sub panels for many reasons. My install was approved by the AHJ, even complemented me on such nice work.
Check your load calculations. I’m sure you don’t need 400 amp service.
Last edited: