An inside panel is already coming off the load side of meter. Customer said someone rold him he could come off of it again for another feed. I didn't think this could be done by code. Is he right? Thanks
Not sure of all the details you're facing, so I'll give a more generic response.
Today, we install services where there is a disconnect with a fuse / breaker right at the meter. This point is the "service," and is where the neutral and ground are to be bonded.
Older services are often a simple meter pan, with no way to disconnect power without pulling the meter. Others can argue whether this is 'legal' or not today- as far as I'm concerned, this is such a bad design that I won't do anything until it's changed.
Assuming that you have a disconnect at the meter, as well as overcurrent protection there, everything downstream is a "sub-panel." Keeping in mind the tap rules and feeder ampacities, there are many ways to power multiple panels. You can start with a panel at the service; you can feed through each and every panel until you get to the last one; or you can mix the two approaches.
The devil is also in the details. Very few load centers come with lugs that have any provision for multiple conductors; landing two wires under a lug just because they fit is not allowed.
Then there are those issues regarding bonding of the neutrals. Since few older panels have ground busses, and the neutral bus is often bonded to the case, you have an arrangement that cannot be made compliant with today's rules.
Under today's rules, you can have all manner of panel arrangements. For example, my own house was rewired with the following layout:
Meter feeds a main panel. Grounding electrode conductors and the neutral bond are in this panel.
The main panel feeds a local receptacle, as well as three other panels: the inside "primary" panel, the outside HVAC panel, and the outside deck panel.
The inside primary panel, in turn, has branch circuits- as well as feeding the kitchen panel and the bath/laundry panel.
The HVAC panel serves the mini-split air conditioner units (there are three), as well as a tiny panel in the carport storage area.
The deck panel serves the deck, as well as the (planned) hot tub, storage shed, and workshop.
The house is only a few years old. There is a 200 amp meter base outside. It goes directly inside to the opposite wall inside to a 200 amp Main breaker panel. To do what the homeowner said someone told him, you would have to come off the same load lugs in the meter base that is feeding the inside panel. There is the catch. Unless the lugs in the meter base are approved for 2 wires, it can't be code compliant as far as I can see. I know older homes have it like that everywhere. Always checking though, I have been wrong once or twice:)
I have seen plenty of commercial services that come off the meter with a large conductor, into a piece of gutter and then splits out to a number of disconnects. I agree it is rare to find a meter base alone that can accommodate this kind of tap.
Any time "someone told me it's ok", an alarm bell goes off for me. I learned a lot reading through all the posts. The most common solution I've seen is the one suggested by Tesla (pass through lugs, or a 2 pole push on breaker if the subpanel will be small).