If the disconnects are not on or in the same building as the panels then you are right that the installation has some things wrong with it.
Two identical feeders with the same voltage characteristics may not be used to feed the same building.
225.30 Number of Supplies.
Where more than one building or other structure is on the same property and under single management, each additional building or other structure served that is on the load side of the service disconnecting means shall be supplied by one feeder or branch circuit unless permitted in 225.30(A) through (E). For the purpose of this section, a multiwire branch circuit shall be considered a single circuit. COPYRIGHT 2001 National Fire Protection Association.
The house must be equipped with a building disconnecting means if those two two hundred amp disconnects are not mounted in or on the house.
225.31 Disconnecting Means.
Means shall be provided for disconnecting all ungrounded conductors that supply or pass through the building or structure. COPYRIGHT 2001 National Fire Protection Association.
I hope that helps.