derater ---
"home inspectors" have a right to their opinions. Often times their clients insist on following those opinions or they walk away from the deal.
As to if AFCIs are required. It all depends on where you stand in the matter.
If the AHJ has had a policy that a panel change requires updating then it seems reasonable to require AFCIs here.
If I were paying for the panel replacement, I would expect AFCIs and GFCIs in the panel.
If I were being paid for the replacement, I would know the policy of the AHJ and follow it.
