As long as you don't change the main breaker for the house, you don't have to change anything to upgrade service, except the outside meter loop and main breaker at the pole. House will still be 100 amp service, just like it was, you will just have more service to pull from. Electric companies like to blow smoke when they don't want to spend money. If you change your meter loop, they have to come out and unhook/hook it up.
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