The load can be determined by crystal ball or any other method that is acceptable to the AHJ.
Here is an installation I did last May under the 2008 NEC it left me, the customer and the inspector all with a warm fuzzy feeling. :smile:
I can not remember the KW of the genset but it certainly could not run everything in this large home, this main panel powers at least two sub panels, a steam generator, a pool central AC etc.
The owner is fully aware that he has to be selective when running the generator.
IMO I have not violated any NEC Article nor have I short changed this customer.
How many OCD's are in that panelboard and how many was it designed to hold?
I can see 40+ there without the bottom visible.
Tom