You do? Isn't part of the 1500 VA load on small appliance circuit used to cover the fridge and portable microwave? Only a built in microwave would require a separate circuit and load value. Perhaps if the fridge is on its own 15A circuit would you add its nameplate value to account for it. If it was on its own 20A circuit, I would expect this to be a small appliance circuit and hit you with another 1500 VA.
I think this is right on. If it's on a 15a circ 220.52 EX says you don't add it to calculations. If it is on 20A it is by definition a SABC and would have to be calculated at 1500VA . Also 210.52(B)(1) specifically requires the fridge to be served by SABC unless installed with individual 15a circ.
220.52 Small-Appliance and Laundry Loads ? Dwelling
Unit.
(A) Small-Appliance Circuit Load. In each dwelling unit,
the load shall be calculated at 1500 volt-amperes for each
2-wire small-appliance branch circuit as covered by
210.11(C)(1). Where the load is subdivided through two or
more feeders, the calculated load for each shall include not
less than 1500 volt-amperes for each 2-wire smallappliance
branch circuit. These loads shall be permitted to
be included with the general lighting load and subjected to
the demand factors provided in Table 220.42.
Exception: The individual branch circuit permitted by
210.52(B)(1), Exception No. 2, shall be permitted to be
excluded from the calculation required by 220.52.