I have a company which keeps submitting plans for a solar system with a battery back up. The plans show a 200 amp main service feeding a 400 amp panel board with a 200 amp main breaker then a 90 amp solar breaker. I've approved a couple, but I really don't like it. I keep telling them that the main service is still the end of the line and you can't have 90 amps going to it. Their claim is that the 400 amp panel is where the 90 amp breaker is and so it's fine.
Comments?
With respect to the service, there is no limit on backfeed onto the service wires as long as it is less than the service size.
But I think you are describing a 200A MCB main service panel. Whatever the bus rating is on that panel will limit what can be connected to it.
If you have only a 200A feeder breaker to the 400A sub panel and the 90A backfeed is into the sub panel, that panel is OK.
The problem, as I expect you see it, is in the main. The 200A feeder breaker must be counted as a 90A backfeed under NEC rules. But if there are no load breakers or other feeder breakers in the 200A panel, just 200A main and 200A feeder, there is no way that the main panel bus can be overloaded.
However, if there are blank spaces in the main panel, some inspectors would argue that it would be possible to connect more than 200A of actual load above and beyond the 200A feeder, and that would force the application of the 120% rule on the main panel.
It is similar to the case where a feeder does nothing but connect a main panel to a PV AC combiner panel. In some code revisions and some inspectors' judgement the 120% rule applies to that feeder since somebody might later cut into the middle of it to supply loads.
I am not concerned at all about the safety of what you describe, as I interpret it.