I am buying a house. I have 125 Amp wires coming into a panel that is rated 100 amps. The house inspector said that the electrical panel should be upgraded for "proper fusing". The electrician said that the electrical panel amps and wires are installed per code and in a safe installation. My question is, is this correct and what happens if there is a electric surge as lightning. Will this fry the panel causing it to need to be changed at a later time. Also the addendum from me to the seller said that the Seller is to upgrade electrical panel to service 125 amp wires coming into the house. Can anyone help me.