I couldn't help myself, so I dug into it.
Just found this in the code. Since I have a smart meter, and can go back and look at the stats from it for the entire time I have had it, I might be able to use that data. If not I guess I get to set up that current monitoring system I have always wanted
to collect data over 30 days.
My previous measurements show that 125% of my current load is not an issue.
NEC code:
220.87 Determining Existing Loads. The calculation of a
feeder or service load for existing installations shall be
permitted to use actual maximum demand to determine the
existing load under all of the following conditions:
(1) The maximum demand data is available for a I-year
period.
Exception: If the maximum demand data for a 1-year period
is not available, the calculated load shall be permitted
to be based on the maximum demand (measure of average
power demand over a 15-minute period) continuously recorded
over a minimum 30-day period using a recording
ammeter or power meter connected to the highest loaded
phase of the feeder or service, based on the initial loading
at the start of the recording. The recording shall reflect the
maximum demand of the feeder or service by being taken
when the building or space is occupied and shall include by
measurement or calculation the larger of the heating or
cooling equipment load, and other loads that may be periodic
in nature due to seasonal or similar conditions.
(2) The maximum demand at 125 percent plus the new
load does not exceed the ampacity of the feeder or
rating of the service.
(3) The feeder has overcurrent protection in accordance
with 240.4, and the service has overload protection in
accordance with 230.90.