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Sparky, When was the last time you saw death from a 115/120 volt single phase at 15 or 20 amp in a residential panel? Maybee submerged I would guess, but I have never seen or even heard of it other than on the scary movie where the pool light blows out. Not possible as pools need Ground Fault (GFCI) Also I would assume docks are all Ground Fault where the outlet is outdoors and in a NEMA (wet) box with weather cover. I will stand corrected if I am wrong on the statement I have been wiring for 25 years and never seen anything less than 220v single phase hurt someone.
You are right it is just a money thing I think the homeowner can prevail in court as the ordinance is tied to another inspection the to a contractor which makes it unreachable for the homeowner to even do any of the work.
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