That line will be drawn differently for each of us. Each of us find that we draw a line where we end educating and continue to communicate. I’ve heard the argument that we should use correct terminology because part of our job is to educate. The commonly used descriptive term is the “main panel.” Everyone knows what the “main panel” is, including electricians who, in my experience, use the same term. I only read the term in forums like this and code references. I have never…not even once…heard anyone refer to the service equipment as the “service equipment” and that includes the many electricians that I’ve interacted with. For unknown reasons, that might be worthy of investigation by a student of communication, much of the terminology of the NEC has never found common usage among the general public. The second “leg” of our job is communication. So again - don’t use the term “main” for anything related to the electrical system until you have a firm understanding of the difference between service equipment and other equipment. Look at your picture - the neutrals have been properly isolated from the enclosure as this is a “sub” panel. If the interior panel was actually a main or service panel, the neutrals would have to be bonded to the enclosure and GE. “Main” and “service” are synonymous, so you can’t have a “ main” in one location and the “service” in another. “Other equipment” consists of everything else - distribution/sub panels, breakers, equipment-disconnects, etc., etc… “Service equipment” is where the “service” disconnect is located. You have “service equipment” and you have “other equipment.” Nothing else exists. Lose the term “main” from your vocabulary - at least until you have a firm understanding of its meaning. Many have seen me post this in the past, but it seems to be necessary to repost occasionally… I’ve never seen a setup like this before is this allowed. Also outside there were additional circuit breakers under the main. Hi I did an inspection today and noticed a 200 main disconnect outside and the service panel inside was 150 amp.
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