I have a home inspector telling my realtor's client that the sub panel installed in the basement is a code violation...Because it has a 200 amp main breaker which is fed from a 100 amp breaker in the main service. Am I completely missing something? The 200 amp main is just a switch, not over current protection. Please if this is a violation, can somebody site a code # please.
H2O: OCP for the feeder at the source protects the feeder. The install you describe as I understand it is a 100 amp feeder to a sub panel with 100 amp OCP, which is code compliant. The 200 amp CB in the sub is only functioning as a 'switch' (although expensive).
Some, but not all HI's are not the greatest at electrical code compliant determinations.
Home inspectors go out of their way to say they are not code inspectors, then they try to cite code, usually incorrectly. The educator in me says you should talk to the HI and see if you can't tune him up a little. The next recourse for your client would probably be bringing this up to to the state licensing board, assuming they even license HIs. In the end it is all about the money. For the most part, HIs are there to hammer the price of the house down and I have seen some pretty silly "defects" reported by them, while missing serious issues.
Don't get me started on home inspectors. I have gone head to head with them more than once. There job (and there only job IMHO)is to pick apart your house for what ever reason they can think up. How many times I get calls asking about what the HI says. Now granted when a HI goes into a bathroom there "Should" be GFI protection in there. Yet if the HI goes into a very old home, you know as well as I that there is no GFI protection (if a receptacle) at all. I have seen where HI's said that there was AL wire in the house, when it was the old silver coated copper wire. I can go on, but I won't, I will get off my soapbox now. sorry!