Clove,
Do you live in a highly populated area with a city water system? The reason I ask is that if you do, and it is an all metallic system the utility may be counting on your service being solidly bonded to it. This would create a backup of sorts in the event of a lost neutral on their supply to your house. I have heard of the local utility refusing to pay a claim because of this. The reasoning is basically, if your system was properly connected and maintained there would not have been such a fluctuation and resulting loss.
Good Luck,
Bill
