Okay, let's break down the scenario in New Jersey and address the 230.85 compliance. It's a tricky area with a lot of interpretation, and local AHJ (Authority Having Jurisdiction - inspectors) can have differing views.

Here's a summary based on what I understand



Service

3-wire SER cable from the utility to the meter.

Disconnect

Labeled "EMERGENCY DISCONNECT" located after the meter and before the main panel inside the house.

Panel

Located inside the house, receiving SER cable from the "EMERGENCY DISCONNECT". Panel has its own main breaker/disconnect. Ground rods and meter grounding are at the panel.

State

New Jersey.

Analyzing Compliance with 230.85 (Emergency Disconnects)

The core issue is whether the disconnect labeled "EMERGENCY DISCONNECT" meets the intent and requirements of 230.85. Here's the general understanding:

230.85's Intent

230.85, in essence, requires a readily accessible emergency disconnect located outside of the building, or as close as possible to the point where the service conductors enter the building. This allows emergency responders (firefighters, etc.) to quickly and safely de-energize the entire building's electrical system. It's intended as a safety measure.

The Letter of the Law

The code specifies a location that is outside the building and readily accessible. This is to provide quick access for emergency personnel. The location you've described (after the meter, but before the panel inside the house) is highly unlikely to be considered outside.

"Readily Accessible" and Labeling

The disconnect must be "readily accessible." This generally means it can be reached quickly without having to climb over obstacles, unlock doors, etc. The labeling of "EMERGENCY DISCONNECT" is crucial. It clearly identifies the purpose of the disconnect.

Problems with Your Specific Setup


Location, Location, Location

The placement inside the house after the meter is very problematic in the eyes of most inspectors. This is the biggest sticking point. 230.85's intent is to have the disconnect outside the building or as close to the point of entry as possible. While not spelled out, some locations can be considered outside if on the exterior of the building in a place such as a covered car port.2.

Redundancy and Confusion

Having two disconnects – one labeled "EMERGENCY DISCONNECT" before the panel and the main breaker within the panel – can create confusion for emergency responders. Which one do they use? Is one actually the emergency disconnect?3.

Neutral Bonding

With a 3-wire service, the neutral must be bonded to ground only at the service equipment. With the meter being separate from the service equipment you may need to run a GEC to the meter location.

Likely Outcome in New Jersey



Non-Compliant

Based on the above analysis, it's highly likely that your setup, as described, will

not be considered compliant with 230.85 in New Jersey. This is because the "EMERGENCY DISCONNECT" is located inside the house and there is no way of determining where your service point lies.

Recommendations


Consult with the AHJ (Inspector)

The most important step is to contact the local electrical inspector before anything is finalized. Show them your plan, describe the intended location of the disconnect, and get their feedback. Their interpretation is what matters in the end.2.

Move the Disconnect Outside (Ideal Solution)

The best approach is to relocate the "EMERGENCY DISCONNECT" to an exterior location, as close as possible to where the SER cable enters the building. This is typically mounted on the outside wall, near the meter (if the meter is also on the outside).3.

Alternatives (If Moving is Impossible)

If relocating is absolutely impossible due to unusual site constraints, discuss alternatives with the inspector. You might need to document the reasons why an external location is not feasible. This might involve engineering justifications and could still be rejected.4.

Correct Grounding

Ensure proper grounding according to the NEC and local amendments. This includes proper grounding electrode conductors (GEC) to ground rods and potentially to the metal water pipe system. You also need to ensure that the neutral conductor is bonded to the grounding electrode system only at the service equipment (the main panel).

Important Considerations



Local Amendments

New Jersey, like many states, might have amendments to the NEC. Be sure to consult the specific electrical code adopted by your municipality and the state.

Utility Requirements

Check with the electric utility company for any specific requirements they have for service disconnects.

In summary, your current setup probably won't pass inspection due to the indoor location of the "EMERGENCY DISCONNECT". Talk to the AHJ and be prepared to relocate it to an exterior location. Flag for review