I am in the same situation . . . 100A Service. In theory, 100A may be inadequate for the average single family home, "if" all electrical equipment is operating at the same time. Unless you have a very large family. do a lot of cooking, washing, cleaning and operate a HVAC all at the same time, while also charging an EV, a 100A main breaker may still be just fine.
I'm NOT saying an overload trip will never happen - that is certainly still possible - just unlikely, especially if you get into the habit of charging your EV from late at night till early morning. I am doing that with a 7.7kW (32A) Leviton L2 EVSE, and have never tripped my 100A breaker.
Here's a partial list of what I have in my main circuit breaker panel, excluding all 120V circuits consisting of six smaller, single pole, 15A breakers, (and an additional double pole, 20A breaker for a dedicated 240V branch circuit to my PV system):
100A MAIN, plus:
50A Electric Range
40A L2 EVSE
40A A/C Compressor
30A Electric Drier
As you can see, just these larger load circuilts alone, add up to 160A if all were operating at the full load rating of their circuit protection breakers. Actually, the total load for all AC loads combined, including all the other 120V protected circuits in the same panel for lighting and convenience outlets, garbage disposal, washing machine, and electric controllers for a NG fired central air furnace and 40 gal water heater, add up to an additional 90A! So, the actual full load current capacity of everything as a whole is 250A!
I recently had a city permit inspection of this very same AC panel, for the addition of a new solar system, and nothing was said about the "adequacy" of only a 100A Mains. I guess, if any breakers trip, including the 100A for the main power supplied from the grid, that's my problem, not the city's or utility company, so long as every individual circuit is properly overload protected.