It almost seems to me that something was turned off before the homeowner went down to attempt to get her tub back on... Was there a circuit in the panel that went to something that wasnt there anymore, & someone didn't cap the lines off, or capped them together? Something similar , but not of this magnitude, happened at a neighbors down the street... He tripped a circuit in his Pushmatic panel.. He went to the panel to restore & most of us here know that the on/off indicator on these breakers is useless.. So, he started pushing breakers all over... One that he reset was a 50A 2P that went to a former spa, the wires were all taped together.... about 5 minutes later, he called me after he'd called the fire dept.. His busbars were glowing & smoke coming from the panel...
In this case, the main (100A) & the 50A failed to trip. Luckily, the fire dept cut the drip loops while the house was still standing!

-Randy