thanks for everyones input....i agree with the #12 circuits on 20 amp breakers. and i feel like the service should have been all i was resonsible for like u said electricman scott. the problem i am encountering is this is insurance work and as everyone knows they only want to pay as little as possible and when i quoted the job it was only to replace the service but there may be extra work if required.
the inspector wanted me to run new circuits to fuse box and splice them there but i told him i would rather not for cost purposes the home owner might have to pay the extra cost and he did not want to pay.
dont mind sizing the fuses accordingly just hope i am not getting in to a can of worms
and i would have rather did an entire upgrade. and this inspector is trying to bully me around which im not sure how to handle this...