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As you know, the correct way to feed a 125 amp subpanel is by way of a 125 amp breaker installed below the main breaker. If you tap the service above, it isn't really a sub, is it?

Besides the double taps, the way the insulation was not stripped completely on those branch circuit cables coming in at the top suggest the work was done by a DIYer without a permit. I can't see if cable clamps were used.

(In Canada, branch circuits are not permitted in that close proximity to the main conductors. It is allowed in the US, but why not keep them clear of the service conductors if possible?)

Another thing, the drywall is brought in over the edges of the panel. That is wrong. The panel box should be flush with the surface of the wall so that the cover can fit tight. If there is ever a fire in there, it needs to be contained.

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As you know, the correct way to feed a 125 amp subpanel is by way of a 125 amp breaker installed below the main breaker. If you tap the service above, it isn't really a sub, is it?

The panel bus stabs may not be listed to use a 125A breaker, they may be only rated for 110A max. (110A is a standard rating).This is just another reason to read the labels on a panel.

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