Have you come across any problems where the SF was anything other than 1.0? Typically a service factor above 1.0 allows the motor to be run at a slightly higher HP output. For instance, if a 2HP motor has a 1.15 SF, the motor can be slightly overloaded to produce 2.3HP without damaging motor (though shortening its lifespan). The current needed to do this will be slightly higher than nameplate. However, when dealing with the NEC in doing motor calculations, I would use the standard table current values.