A service upgrade is not just a bigger panel. It is new service entrance conductors, a new meter can, a new grounding electrode system, and coordination with Duke Energy or SECO for the disconnect and reconnect. Doing the panel alone and leaving 1970s service conductors in place gets an inspection failure and leaves the actual bottleneck in the ground.
The trigger for most Ocala upgrades is added load rather than a fault. A second AC system, a pool pump, an electric range, or a workshop subpanel pushes a 100 amp service past what it was designed to carry. We run a load calculation under NEC 220.87 against your recorded demand rather than guessing from floor area, because that calculation is what decides whether you need 200 amps or whether your existing service is fine and something else is failing.
Expect power off for four to eight hours on changeout day, a county inspection afterward, and a fully labeled panel when we leave.
Technician insight
If the meter can is rusted through at the bottom, the upgrade costs more than the quote you got over the phone. It is worth photographing before anyone prices the job.