That's what I figured. So why in ANNEX D, example D1(b) did they count 125% for the window shaker (it being the largest motor in the house?)? Wouldn't a central AC condenser be the biggest motor in the house, and therefore contribute 125% FLC to the service load?
If we can assume the two won't run at the same time, Larry is right. Use the larger of the two only. The largest is the 7000 W electric furnace. But that load needs multiplied by 1.25 (because it is continuous). So you would use 8750 Watts.
Looking at the example you mentioned (I'm using the 2005 code book), they added 25% for the largest motor on each phase. They added 25% of the 12 amp condenser load on phase A, and 25% of the 8A disposal load on B. That makes sense if the largest motor is a L-N connected load on a 1 phase service, or a single phase load on a three phase service.