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I'd call an electrician without question. Fine to do a little investigation to eliminate possibles etc. I don't get why this is even a 3ph service with it being used as single phase.
Anyway, the breakers aren't that old but must be getting soft with weather etc.... and I'd rather they be more sensitive rather than never trip (search Federal Pacific electrical panel fire)
My guesses as an electrical inspector btw are: replace breakers after checking amp draw each leg of the sub panel being served. You may have a bad neutral conductor just as easily as a bad breaker. IF the breaker does need replaced it should be easy to get and not all that expensive. DO NOT do it live! Do NOT pull the meter yourself either.
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