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#1
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I'm trying to wire my new cabinet saw for 220V. Got the 220V outlet,
installed the power cord onto the magnetic switch on the table saw exactly as shown in the diagram. For those interested in the details, I've got a General cabinet saw (the Canada made one) and connected my power cord to the L1 and L3 screws. Each one gets its 110V of power. The meter reads properly but it doesn't seem that the power reaches the other side to make the motor run. I released the stop button and push the green one just to see nothing. I even pushed the thermal reset button on the motor just in case and still nothing. Does anyone here have an idea what to do? Is there any special thing to do the first time you start it? Thanks for any help. Greg D. |
#2
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Posted to rec.woodworking
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In article , Greg D. wrote:
I'm trying to wire my new cabinet saw for 220V. Got the 220V outlet, installed the power cord onto the magnetic switch on the table saw exactly as shown in the diagram. For those interested in the details, I've got a General cabinet saw (the Canada made one) and connected my power cord to the L1 and L3 screws. Each one gets its 110V of power. The meter reads properly but it doesn't seem that the power reaches the other side to make the motor run. I released the stop button and push the green one just to see nothing. I even pushed the thermal reset button on the motor just in case and still nothing. Does anyone here have an idea what to do? Is there any special thing to do the first time you start it? Is your 220V circuit wired correctly? That is, do you really have 220V? Check the voltage between L1 and L3. Do you see 220, or zero? -- Regards, Doug Miller (alphageek at milmac dot com) It's time to throw all their damned tea in the harbor again. |
#4
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In article , Greg D. wrote:
Hi Doug, Yes, I do have 110V on each of them. That's not the point -- what is the voltage *between* the two hot wires? Not the voltage from each one to ground. The voltage from hot to hot. If they are both on the same leg of your service, they'll each measure 110V to ground or neutral, but *zero* between them. I even looked at the switch and on both ends I have 110V. Looks like the current doesn't go through from the switch. That's why I'm wondering if there's something that prevents the switch from closing the circuit. Well, my first guess is that there is indeed something preventing the switch from closing the circuit, and that "something" is that there isn't 220V present between the two hot conductors. Since it's a magnetic switch, maybe there's a reset button inside I can trigger and make it work. Check the voltage between the two hot conductors: is it 220V, or zero? Thanks for helping! Benoit On Sun, 14 May 2006 17:30:09 GMT, (Doug Miller) wrote: In article , Greg D. wrote: I'm trying to wire my new cabinet saw for 220V. Got the 220V outlet, installed the power cord onto the magnetic switch on the table saw exactly as shown in the diagram. For those interested in the details, I've got a General cabinet saw (the Canada made one) and connected my power cord to the L1 and L3 screws. Each one gets its 110V of power. The meter reads properly but it doesn't seem that the power reaches the other side to make the motor run. I released the stop button and push the green one just to see nothing. I even pushed the thermal reset button on the motor just in case and still nothing. Does anyone here have an idea what to do? Is there any special thing to do the first time you start it? Is your 220V circuit wired correctly? That is, do you really have 220V? Check the voltage between L1 and L3. Do you see 220, or zero? -- Regards, Doug Miller (alphageek at milmac dot com) It's time to throw all their damned tea in the harbor again. |
#5
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Was the saw wired for 220 or 110 volts? If it is wired for 110 the
magneitc starter has a 110 volt coil. You will need a neutral for the coil to pull in the contacts. We need some more info. Is there an overload block in the starter that needs resetting? Bill |
#6
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Hi Doug,
Maybe you've spot the problem... I get a reading of 0V between the 2 hots. Here's my setup. I have a subpanel of 60Amps (4 x 15AMps breakers) in my workshop. This subpanel get its current from the main panel via a 30Amps / 10-3 wire. The red and the black wires are on 2 different 15Amps breaker (in the main panel) and they feed 2 x 15Amps breakers on each side. I combined 2 15Amps breakers (the two in the middle) so each of them are on one 15 Amps breaker in the main panel. I then fed my 220V outlet (for the tablesaw) with those 2 hot wires (110V each). Should I leave the voltmeter in the same settings to read the voltage between two hot wires? Thanks for helping me through this... Benoit On Sun, 14 May 2006 19:56:15 GMT, (Doug Miller) wrote: In article , Greg D. wrote: Hi Doug, Yes, I do have 110V on each of them. That's not the point -- what is the voltage *between* the two hot wires? Not the voltage from each one to ground. The voltage from hot to hot. If they are both on the same leg of your service, they'll each measure 110V to ground or neutral, but *zero* between them. I even looked at the switch and on both ends I have 110V. Looks like the current doesn't go through from the switch. That's why I'm wondering if there's something that prevents the switch from closing the circuit. Well, my first guess is that there is indeed something preventing the switch from closing the circuit, and that "something" is that there isn't 220V present between the two hot conductors. Since it's a magnetic switch, maybe there's a reset button inside I can trigger and make it work. Check the voltage between the two hot conductors: is it 220V, or zero? Thanks for helping! Benoit On Sun, 14 May 2006 17:30:09 GMT, (Doug Miller) wrote: In article , Greg D. wrote: I'm trying to wire my new cabinet saw for 220V. Got the 220V outlet, installed the power cord onto the magnetic switch on the table saw exactly as shown in the diagram. For those interested in the details, I've got a General cabinet saw (the Canada made one) and connected my power cord to the L1 and L3 screws. Each one gets its 110V of power. The meter reads properly but it doesn't seem that the power reaches the other side to make the motor run. I released the stop button and push the green one just to see nothing. I even pushed the thermal reset button on the motor just in case and still nothing. Does anyone here have an idea what to do? Is there any special thing to do the first time you start it? Is your 220V circuit wired correctly? That is, do you really have 220V? Check the voltage between L1 and L3. Do you see 220, or zero? |
#7
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Hi Bill,
The saw is a 3HP cabinet saw. I don't think it can even be wired for 110V. According to the "poor" documentation, the saw is ready for 220V/13.7Amps. Thanks, Greg D. On 14 May 2006 13:38:04 -0700, "Bill" wrote: Was the saw wired for 220 or 110 volts? If it is wired for 110 the magneitc starter has a 110 volt coil. You will need a neutral for the coil to pull in the contacts. We need some more info. Is there an overload block in the starter that needs resetting? Bill |
#8
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In article , Greg D. wrote:
Hi Doug, Maybe you've spot the problem... I get a reading of 0V between the 2 hots. Here's my setup. I have a subpanel of 60Amps (4 x 15AMps breakers) in my workshop. This subpanel get its current from the main panel via a 30Amps / 10-3 wire. The red and the black wires are on 2 different 15Amps breaker (in the main panel) and they feed 2 x 15Amps breakers on each side. It's time to stop what you're doing, and get a book on residential electrical wiring -- or call a pro, or at least a buddy who understands this stuff. You don't. No offense intended, but you don't. And messing around with electricity when you don't understand it can get you KILLED. In order to have a 220V circuit, you must have the two hot conductors coming off of opposite legs of your service. It appears that your two 15A breakers feeding the subpanel are on the *same* leg of the service. The only thing that keeps this from being a *serious* fire hazard is the 10-3 wi you could be putting as much as 30A of current on the neutral conductor in that 10-3 cable; fortunately, that's OK -- but if you should ever swap those 15A breakers for 30s, you've got major trouble. I combined 2 15Amps breakers (the two in the middle) so each of them are on one 15 Amps breaker in the main panel. It's not at all clear to me what you mean by this. I then fed my 220V outlet (for the tablesaw) with those 2 hot wires (110V each). Should I leave the voltmeter in the same settings to read the voltage between two hot wires? Probably, but that depends on your voltmeter. Make sure that it's capable of measuring 250V. Thanks for helping me through this... Again, no offense intended, but IMO you should stop what you're doing, and bring in someone who understands it. If you happen to be in the Indianapolis area, I can drop by... Benoit On Sun, 14 May 2006 19:56:15 GMT, (Doug Miller) wrote: In article , Greg D. wrote: Hi Doug, Yes, I do have 110V on each of them. That's not the point -- what is the voltage *between* the two hot wires? Not the voltage from each one to ground. The voltage from hot to hot. If they are both on the same leg of your service, they'll each measure 110V to ground or neutral, but *zero* between them. I even looked at the switch and on both ends I have 110V. Looks like the current doesn't go through from the switch. That's why I'm wondering if there's something that prevents the switch from closing the circuit. Well, my first guess is that there is indeed something preventing the switch from closing the circuit, and that "something" is that there isn't 220V present between the two hot conductors. Since it's a magnetic switch, maybe there's a reset button inside I can trigger and make it work. Check the voltage between the two hot conductors: is it 220V, or zero? Thanks for helping! Benoit On Sun, 14 May 2006 17:30:09 GMT, (Doug Miller) wrote: In article , Greg D. wrote: I'm trying to wire my new cabinet saw for 220V. Got the 220V outlet, installed the power cord onto the magnetic switch on the table saw exactly as shown in the diagram. For those interested in the details, I've got a General cabinet saw (the Canada made one) and connected my power cord to the L1 and L3 screws. Each one gets its 110V of power. The meter reads properly but it doesn't seem that the power reaches the other side to make the motor run. I released the stop button and push the green one just to see nothing. I even pushed the thermal reset button on the motor just in case and still nothing. Does anyone here have an idea what to do? Is there any special thing to do the first time you start it? Is your 220V circuit wired correctly? That is, do you really have 220V? Check the voltage between L1 and L3. Do you see 220, or zero? -- Regards, Doug Miller (alphageek-at-milmac-dot-com) Get a copy of my NEW AND IMPROVED TrollFilter for NewsProxy/Nfilter by sending email to autoresponder at filterinfo-at-milmac-dot-com You must use your REAL email address to get a response. Download Nfilter at http://www.milmac.com/np-120.exe |
#9
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In article ,
Greg D. wrote: I get a reading of 0V between the 2 hots. That's a bad sign. Here's my setup. I have a subpanel of 60Amps (4 x 15AMps breakers) in my workshop. This subpanel get its current from the main panel via a 30Amps / 10-3 wire. The red and the black wires are on 2 different 15Amps breaker (in the main panel) This sounds pretty strange too. I don't know if it's strictly against code, but it's certainly unusual to have a subpanel fed by a 15A breaker. Consider this scenario: You've got a 15A breaker in the main panel, and downstream of that, you've got several additional 15A breakers. You overload the circuit. Which 15A breaker blows? Maybe the one in the subpanel, maybe the one in the main panel, taking out everything in the subpanel at the same time. Like maybe the lights? It's also strange that somebody would run #10 wire protected by a 15A breaker. You typically see #10 on a 30A breaker (assuming it's not a very long run). If everything you say is correct, I'm guessing whoever wired this stuff up didn't really know what they were doing. I'd get a real electrician in there to make sure things are kosher. |
#10
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Assuming you're in North America, which it sounds like:
It further sounds like your sub panel is miswired. Does ANY other 220 outlet it feeds perform correctly? Is so, the sub panel is botched. If not, the it's probably miswired inside the panel. Also, you seem to be talking about a "pair" of non-ganged ckt breakers for the 220V: A definite NO-NO! You have to use ganged ckt brkrs with 220 derived in that fashion. There are two wires coming into your house, each with 110V on them, but they are "out of phase" with each other, by 180 degrees. So, to get 220 you need a wire from each of those two. What you have now is the SAME phase on each one, so that there is 0V difference, not 220V, between them. It's simple, but not simple to explain on a ng. Either DISCONNECT and quit until you get up to speed on what you have to do, or get someone in who knows, not just thinks he knows, the mistake you apparently made, what's up. There's no shame in this; you've just missed a very important part of the picture, and that spells out danger - a possibly serious danger, in fact. Please stop until you either fully understand what's happened, or better yet, get someone in there who understands the situation. Some people don't like to hear this, but if a non-code (which you have) miswiring causes a fire, and your insurance company gets wind of it, you will have NO insurance! Codes exist for very real reasons, too. If you absolutely insist on forging ahead with this, and you haven't used Google, here are a couple of off the cuff links that will get you started thinking in the right direction at least: http://lists.contesting.com/_amps/2005-02/msg00255.html http://www.lowes.com/lowes/lkn?actio...220outlet.html http://lists.contesting.com/_amps/2002-12/msg00169.html http://experts.about.com/q/Electrica...utlet-near.htm If nothing else, those will give you a hint as to what you're missing in your knowledge base. HTH, Pop "Greg D." wrote in message ... Hi Doug, Maybe you've spot the problem... I get a reading of 0V between the 2 hots. Here's my setup. I have a subpanel of 60Amps (4 x 15AMps breakers) in my workshop. This subpanel get its current from the main panel via a 30Amps / 10-3 wire. The red and the black wires are on 2 different 15Amps breaker (in the main panel) and they feed 2 x 15Amps breakers on each side. I combined 2 15Amps breakers (the two in the middle) so each of them are on one 15 Amps breaker in the main panel. I then fed my 220V outlet (for the tablesaw) with those 2 hot wires (110V each). Should I leave the voltmeter in the same settings to read the voltage between two hot wires? Thanks for helping me through this... Benoit On Sun, 14 May 2006 19:56:15 GMT, (Doug Miller) wrote: In article , Greg D. wrote: Hi Doug, Yes, I do have 110V on each of them. That's not the point -- what is the voltage *between* the two hot wires? Not the voltage from each one to ground. The voltage from hot to hot. If they are both on the same leg of your service, they'll each measure 110V to ground or neutral, but *zero* between them. I even looked at the switch and on both ends I have 110V. Looks like the current doesn't go through from the switch. That's why I'm wondering if there's something that prevents the switch from closing the circuit. Well, my first guess is that there is indeed something preventing the switch from closing the circuit, and that "something" is that there isn't 220V present between the two hot conductors. Since it's a magnetic switch, maybe there's a reset button inside I can trigger and make it work. Check the voltage between the two hot conductors: is it 220V, or zero? Thanks for helping! Benoit On Sun, 14 May 2006 17:30:09 GMT, (Doug Miller) wrote: In article , Greg D. wrote: I'm trying to wire my new cabinet saw for 220V. Got the 220V outlet, installed the power cord onto the magnetic switch on the table saw exactly as shown in the diagram. For those interested in the details, I've got a General cabinet saw (the Canada made one) and connected my power cord to the L1 and L3 screws. Each one gets its 110V of power. The meter reads properly but it doesn't seem that the power reaches the other side to make the motor run. I released the stop button and push the green one just to see nothing. I even pushed the thermal reset button on the motor just in case and still nothing. Does anyone here have an idea what to do? Is there any special thing to do the first time you start it? Is your 220V circuit wired correctly? That is, do you really have 220V? Check the voltage between L1 and L3. Do you see 220, or zero? |
#11
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In article ,
Greg D. wrote: It's true, I had my 2 breakers on the same leg. I moved one over on the other leg and got my 220V just right. I've done a lot of electrical work but it was mostly on the plain 110V. I also know very well the Amp vs. wire gauge so there was no fire hazard... ![]() case. I just didn't know 220V had to be taken from the 2 legs... I guess we learn something new everyday... It's good to learn stuff. Playing with 220V circuits when you don't know what you're doing is not the right venue, however. You can't just plug two breakers into different legs and call it a 220V circuit. You need a two-pole breaker, so when one side trips, the other side trips too. Please go get an electrician to look over what you've done and make sure it's all done right. |
#12
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Greg D. wrote:
Hi Doug, Thank you very much for your help. The table saw is now working fine. It's true, I had my 2 breakers on the same leg. I moved one over on the other leg and got my 220V just right. I've done a lot of electrical work but it was mostly on the plain 110V. I also know very well the Amp vs. wire gauge so there was no fire hazard... ![]() case. I just didn't know 220V had to be taken from the 2 legs... I guess we learn something new everyday... Again, thank you very much for your help, it's appreciated. Greg D. The saw may be working but it sounds like your running it off of two separate 15 amp / 110V breakers. This is unsafe and probably against your local building codes. Change the breaker to a 15 amp / 220 volt breaker (the two trip levers will be tied together by a bar). -- Jack Novak Buffalo, NY - USA (Remove -SPAM- to send email) |
#13
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Doug and Greg,
You do not need to be on both sides of the panel actually That is illegal, You should have a breaker that is for 220 only You can use two 110 breakers next to each other with a clip that unites them, some inspecters do not like the clip setup because when one leg pops it may not shut the other breaker. If you are on both sides of the panel and one side shorts out you still have power flowing through the other side. The breaker box is designed so that every other breaker is connected to a differant leg of the main bars that the power goes through the panel Still the best bet is to get a 220 breaker to run a 220 line Good Luck George "Greg D." wrote in message ... Hi Doug, Thank you very much for your help. The table saw is now working fine. It's true, I had my 2 breakers on the same leg. I moved one over on the other leg and got my 220V just right. I've done a lot of electrical work but it was mostly on the plain 110V. I also know very well the Amp vs. wire gauge so there was no fire hazard... ![]() case. I just didn't know 220V had to be taken from the 2 legs... I guess we learn something new everyday... Again, thank you very much for your help, it's appreciated. Greg D. On Sun, 14 May 2006 22:01:49 GMT, (Doug Miller) wrote: In article , Greg D. wrote: Hi Doug, Maybe you've spot the problem... I get a reading of 0V between the 2 hots. Here's my setup. I have a subpanel of 60Amps (4 x 15AMps breakers) in my workshop. This subpanel get its current from the main panel via a 30Amps / 10-3 wire. The red and the black wires are on 2 different 15Amps breaker (in the main panel) and they feed 2 x 15Amps breakers on each side. It's time to stop what you're doing, and get a book on residential electrical wiring -- or call a pro, or at least a buddy who understands this stuff. You don't. No offense intended, but you don't. And messing around with electricity when you don't understand it can get you KILLED. In order to have a 220V circuit, you must have the two hot conductors coming off of opposite legs of your service. It appears that your two 15A breakers feeding the subpanel are on the *same* leg of the service. The only thing that keeps this from being a *serious* fire hazard is the 10-3 wi you could be putting as much as 30A of current on the neutral conductor in that 10-3 cable; fortunately, that's OK -- but if you should ever swap those 15A breakers for 30s, you've got major trouble. I combined 2 15Amps breakers (the two in the middle) so each of them are on one 15 Amps breaker in the main panel. It's not at all clear to me what you mean by this. I then fed my 220V outlet (for the tablesaw) with those 2 hot wires (110V each). Should I leave the voltmeter in the same settings to read the voltage between two hot wires? Probably, but that depends on your voltmeter. Make sure that it's capable of measuring 250V. Thanks for helping me through this... Again, no offense intended, but IMO you should stop what you're doing, and bring in someone who understands it. If you happen to be in the Indianapolis area, I can drop by... Benoit On Sun, 14 May 2006 19:56:15 GMT, (Doug Miller) wrote: In article , Greg D. wrote: Hi Doug, Yes, I do have 110V on each of them. That's not the point -- what is the voltage *between* the two hot wires? Not the voltage from each one to ground. The voltage from hot to hot. If they are both on the same leg of your service, they'll each measure 110V to ground or neutral, but *zero* between them. I even looked at the switch and on both ends I have 110V. Looks like the current doesn't go through from the switch. That's why I'm wondering if there's something that prevents the switch from closing the circuit. Well, my first guess is that there is indeed something preventing the switch from closing the circuit, and that "something" is that there isn't 220V present between the two hot conductors. Since it's a magnetic switch, maybe there's a reset button inside I can trigger and make it work. Check the voltage between the two hot conductors: is it 220V, or zero? Thanks for helping! Benoit On Sun, 14 May 2006 17:30:09 GMT, (Doug Miller) wrote: In article , Greg D. wrote: I'm trying to wire my new cabinet saw for 220V. Got the 220V outlet, installed the power cord onto the magnetic switch on the table saw exactly as shown in the diagram. For those interested in the details, I've got a General cabinet saw (the Canada made one) and connected my power cord to the L1 and L3 screws. Each one gets its 110V of power. The meter reads properly but it doesn't seem that the power reaches the other side to make the motor run. I released the stop button and push the green one just to see nothing. I even pushed the thermal reset button on the motor just in case and still nothing. Does anyone here have an idea what to do? Is there any special thing to do the first time you start it? Is your 220V circuit wired correctly? That is, do you really have 220V? Check the voltage between L1 and L3. Do you see 220, or zero? |
#14
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In article , Greg D. wrote:
Hi Doug, Thank you very much for your help. The table saw is now working fine. It's true, I had my 2 breakers on the same leg. I moved one over on the other leg and got my 220V just right. If you're not using a tandem breaker, you still don't have it "just right". *Please* get someone who understands this stuff to help you. I've done a lot of electrical work but it was mostly on the plain 110V. I also know very well the Amp vs. wire gauge so there was no fire hazard... ![]() case. I just didn't know 220V had to be taken from the 2 legs... I guess we learn something new everyday... Once again, no offense intended --- but if you didn't know that, you had _no_business_ trying to wire a 220V circuit. Please at least get a book on residential wiring and bring yourself up to speed before you do any more. Again, thank you very much for your help, it's appreciated. You're welcome -- I hope you don't create problems. Greg D. On Sun, 14 May 2006 22:01:49 GMT, (Doug Miller) wrote: In article , Greg D. wrote: Hi Doug, Maybe you've spot the problem... I get a reading of 0V between the 2 hots. Here's my setup. I have a subpanel of 60Amps (4 x 15AMps breakers) in my workshop. This subpanel get its current from the main panel via a 30Amps / 10-3 wire. The red and the black wires are on 2 different 15Amps breaker (in the main panel) and they feed 2 x 15Amps breakers on each side. It's time to stop what you're doing, and get a book on residential electrical wiring -- or call a pro, or at least a buddy who understands this stuff. You don't. No offense intended, but you don't. And messing around with electricity when you don't understand it can get you KILLED. In order to have a 220V circuit, you must have the two hot conductors coming off of opposite legs of your service. It appears that your two 15A breakers feeding the subpanel are on the *same* leg of the service. The only thing that keeps this from being a *serious* fire hazard is the 10-3 wi you could be putting as much as 30A of current on the neutral conductor in that 10-3 cable; fortunately, that's OK -- but if you should ever swap those 15A breakers for 30s, you've got major trouble. I combined 2 15Amps breakers (the two in the middle) so each of them are on one 15 Amps breaker in the main panel. It's not at all clear to me what you mean by this. I then fed my 220V outlet (for the tablesaw) with those 2 hot wires (110V each). Should I leave the voltmeter in the same settings to read the voltage between two hot wires? Probably, but that depends on your voltmeter. Make sure that it's capable of measuring 250V. Thanks for helping me through this... Again, no offense intended, but IMO you should stop what you're doing, and bring in someone who understands it. If you happen to be in the Indianapolis area, I can drop by... Benoit On Sun, 14 May 2006 19:56:15 GMT, (Doug Miller) wrote: In article , Greg D. wrote: Hi Doug, Yes, I do have 110V on each of them. That's not the point -- what is the voltage *between* the two hot wires? Not the voltage from each one to ground. The voltage from hot to hot. If they are both on the same leg of your service, they'll each measure 110V to ground or neutral, but *zero* between them. I even looked at the switch and on both ends I have 110V. Looks like the current doesn't go through from the switch. That's why I'm wondering if there's something that prevents the switch from closing the circuit. Well, my first guess is that there is indeed something preventing the switch from closing the circuit, and that "something" is that there isn't 220V present between the two hot conductors. Since it's a magnetic switch, maybe there's a reset button inside I can trigger and make it work. Check the voltage between the two hot conductors: is it 220V, or zero? Thanks for helping! Benoit On Sun, 14 May 2006 17:30:09 GMT, (Doug Miller) wrote: In article , Greg D. wrote: I'm trying to wire my new cabinet saw for 220V. Got the 220V outlet, installed the power cord onto the magnetic switch on the table saw exactly as shown in the diagram. For those interested in the details, I've got a General cabinet saw (the Canada made one) and connected my power cord to the L1 and L3 screws. Each one gets its 110V of power. The meter reads properly but it doesn't seem that the power reaches the other side to make the motor run. I released the stop button and push the green one just to see nothing. I even pushed the thermal reset button on the motor just in case and still nothing. Does anyone here have an idea what to do? Is there any special thing to do the first time you start it? Is your 220V circuit wired correctly? That is, do you really have 220V? Check the voltage between L1 and L3. Do you see 220, or zero? -- Regards, Doug Miller (alphageek-at-milmac-dot-com) Get a copy of my NEW AND IMPROVED TrollFilter for NewsProxy/Nfilter by sending email to autoresponder at filterinfo-at-milmac-dot-com You must use your REAL email address to get a response. Download Nfilter at http://www.milmac.com/np-120.exe |
#15
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![]() "Pop" wrote in message news:uHP9g.1968$Y55.1783@trndny08... Some people don't like to hear this, but if a non-code (which you have) miswiring causes a fire, and your insurance company gets wind of it, you will have NO insurance! Codes exist for very real reasons, too. Although everything else Pop posted with regard to the OP's wiring situation is true, this one statement is not at all true. In most states, (if not all), you are covered once your policy is instated. Insurance companies must, and do pay for stupidity every day. Fires are investigated every day and Cause & Origin Teams find faulty wiring to be the cause - every day. Insurance policies pay off against these claims - every day. There is a lot of urban legend surround insurance policy coverage but you would have to look far and wide to find any substantial number of claims denied for homeowner stupidity. Ask an adjuster when the last time was that they actually saw a claim denied for faulty wiring. -- -Mike- |
#16
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"Mike Marlow" wrote in message
... "Pop" wrote in message news:uHP9g.1968$Y55.1783@trndny08... Some people don't like to hear this, but if a non-code (which you have) miswiring causes a fire, and your insurance company gets wind of it, you will have NO insurance! Codes exist for very real reasons, too. Although everything else Pop posted with regard to the OP's wiring situation is true, this one statement is not at all true. In most states, (if not all), you are covered once your policy is instated. Insurance companies must, and do pay for stupidity every day. Fires are investigated every day and Cause & Origin Teams find faulty wiring to be the cause - every day. Insurance policies pay off against these claims - every day. There is a lot of urban legend surround insurance policy coverage but you would have to look far and wide to find any substantial number of claims denied for homeowner stupidity. Ask an adjuster when the last time was that they actually saw a claim denied for faulty wiring. -- -Mike- Which state is which isn't relevant to this post, and only implies a false sense of knowledge on the part of the poster. Stupidity is NOT the same as intentional miswiring, nor is wiring allowed to be done by unqualified personnel. They certainly will refuse to pay, especially if the fire or insurance investigator turns it up and finds the situation at hand: You are dead wrong. Faulty wiring is NOT miswiring caused by unqulaified personnel, who violated code. Huge differenct. You've gone outside your area of knowledge here. Some, actually very few, insurance companies pay off of fraudulent claims, which is what you are defining. If wiring has not been inspected and logged accordingly, the insurance companies can and do/will take a hands off atitude toward the claim. Again, "homeowner stupidity" is A LOT MORE THAN JUST when an unqualified person installs wiring incorrectly. And you can bet your bottom dollar that when the death or fire or lawsuit caused by a miswired, non-code, probably inherently unsafe connection which has not had proper inspections performed, is discovered, the insurance company will indeed wash their hands of the whole thing. I suggest this poster go and closely read his policy in full, not just the little hype verbiage received with it. Read the entire thing and you'll see just how easy it is for an insurance company to refuse a claim. Your claim. "Substantial" is an irrelevent and non-definitive word here. If YOU are among the ten of a thousand or more who miswired your home and burnt it down or electrocuted someone, or were sued because someone received a bad shock, known as electrocution (electrocution does not mean it killed), you had better have some pretty deep pockets because your insurance won't help the second they discover the non-code intentional installation of sub-standard wiring techniques. Now, I CAN INDEED (and have done so before) talk to a Code Enforcement Officer who can cite such cases, and my neighbor, an insurance broker, not an insurance salesman, can corroborate and has corroborated such stories in the past. These things even make the newspapers, of course. A few years back, a men's clothing store owner burned down his building. At the same time, he accidentally also burned down a neighboring apartment building. I'll bet you think the apartment building owner's insurance the tenant's property insurances all paid off, don't you? You would be dead wrong! Those several insurance companies got together and sued the clothing store owner, HIS insurance company, the code enforcement office, and some others I no longer recall. Of course, the arsonist owner went to jail for 5 years. How do I know all this? I knew BOTH owners. I went to school with the arsonist. I was in the same club as the apt bldg owner. And, it was well covered in the papers and radio for over a year while they kept on discovering new things about the fire. It took 8 months to prove it was arson, but they did it. Think how easy it is to trace a 220 service back to two unconnected, improperly installed ckt brkrs. And finally, of COURSE the numbers of these events are small! The majority of people DO IT RIGHT, OR GET IT RIGHT, OR HAVE IT DONE RIGHT. Unlike you, who seems to think that because the majority don't go to jail, or lose their life earnings, simply because of the sheer ignorance you posted. Don't cry fire in front of a fireman when it's a load of crap that you're pusing out; people like you are disgusting and obviously trolling, which means that I have nothing further to say to you or to read from you. |
#17
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Posted to rec.woodworking
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I don't wish to start a war here, but do any of you have any actual
insurance experience? Or better yet, adjusting experience? I do, having been in the business 34 years now. Granted, I live and work in Canada and the rules here are somewhat different than in the US but unless someone mis wired a tool or appliance with the express intention of causing a fire, the policy would pay off. As has been said, stupidity is not an excluded peril. Fire policies must pay for fire losses. The only exceptions would be in a case where the insured deliberately caused the loss. Then that insured would not be covered, but other named insureds (wife, co-owner) might be. "Pop" wrote in message news:YH4ag.799$nq5.366@trndny06... "Mike Marlow" wrote in message ... "Pop" wrote in message news:uHP9g.1968$Y55.1783@trndny08... Some people don't like to hear this, but if a non-code (which you have) miswiring causes a fire, and your insurance company gets wind of it, you will have NO insurance! Codes exist for very real reasons, too. Although everything else Pop posted with regard to the OP's wiring situation is true, this one statement is not at all true. In most states, (if not all), you are covered once your policy is instated. Insurance companies must, and do pay for stupidity every day. Fires are investigated every day and Cause & Origin Teams find faulty wiring to be the cause - every day. Insurance policies pay off against these claims - every day. There is a lot of urban legend surround insurance policy coverage but you would have to look far and wide to find any substantial number of claims denied for homeowner stupidity. Ask an adjuster when the last time was that they actually saw a claim denied for faulty wiring. -- -Mike- Which state is which isn't relevant to this post, and only implies a false sense of knowledge on the part of the poster. Stupidity is NOT the same as intentional miswiring, nor is wiring allowed to be done by unqualified personnel. They certainly will refuse to pay, especially if the fire or insurance investigator turns it up and finds the situation at hand: You are dead wrong. Faulty wiring is NOT miswiring caused by unqulaified personnel, who violated code. Huge differenct. You've gone outside your area of knowledge here. Some, actually very few, insurance companies pay off of fraudulent claims, which is what you are defining. If wiring has not been inspected and logged accordingly, the insurance companies can and do/will take a hands off atitude toward the claim. Again, "homeowner stupidity" is A LOT MORE THAN JUST when an unqualified person installs wiring incorrectly. And you can bet your bottom dollar that when the death or fire or lawsuit caused by a miswired, non-code, probably inherently unsafe connection which has not had proper inspections performed, is discovered, the insurance company will indeed wash their hands of the whole thing. I suggest this poster go and closely read his policy in full, not just the little hype verbiage received with it. Read the entire thing and you'll see just how easy it is for an insurance company to refuse a claim. Your claim. "Substantial" is an irrelevent and non-definitive word here. If YOU are among the ten of a thousand or more who miswired your home and burnt it down or electrocuted someone, or were sued because someone received a bad shock, known as electrocution (electrocution does not mean it killed), you had better have some pretty deep pockets because your insurance won't help the second they discover the non-code intentional installation of sub-standard wiring techniques. Now, I CAN INDEED (and have done so before) talk to a Code Enforcement Officer who can cite such cases, and my neighbor, an insurance broker, not an insurance salesman, can corroborate and has corroborated such stories in the past. These things even make the newspapers, of course. A few years back, a men's clothing store owner burned down his building. At the same time, he accidentally also burned down a neighboring apartment building. I'll bet you think the apartment building owner's insurance the tenant's property insurances all paid off, don't you? You would be dead wrong! Those several insurance companies got together and sued the clothing store owner, HIS insurance company, the code enforcement office, and some others I no longer recall. Of course, the arsonist owner went to jail for 5 years. How do I know all this? I knew BOTH owners. I went to school with the arsonist. I was in the same club as the apt bldg owner. And, it was well covered in the papers and radio for over a year while they kept on discovering new things about the fire. It took 8 months to prove it was arson, but they did it. Think how easy it is to trace a 220 service back to two unconnected, improperly installed ckt brkrs. And finally, of COURSE the numbers of these events are small! The majority of people DO IT RIGHT, OR GET IT RIGHT, OR HAVE IT DONE RIGHT. Unlike you, who seems to think that because the majority don't go to jail, or lose their life earnings, simply because of the sheer ignorance you posted. Don't cry fire in front of a fireman when it's a load of crap that you're pusing out; people like you are disgusting and obviously trolling, which means that I have nothing further to say to you or to read from you. |
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