Actually, what Andy is asking is how would you determine if this panel or any existing residential panel is maxed-out already, per the NEC. I believe to be absolutely sure I'd have to take the current readings for actual demand and calculate (per NEC) the pool equip. and the A/C equip. loads, since it's off-season for them. This overall existing load together with calculated load of the future living space should tell the story.
For business sake, we'd want to sell an upgraded service if justified, right? But, maybe our competitor is hinting that it's not really necessary for the additional circuits. Now you have to make your case.
What's your opinion?
Andy