So in a real world scenario, can you describe situation(s) where each diagram would present a shock risk? IE, shore power cord abraded, touching metal railing on boat or dock, etc. Help us understand where/how this ground potential differential can shock someone.
Is the only potential place of fault between the pedestal and the primary side of the IT? Or the entire boat?
Is there a problem only if the IT fails? Or is it a problem all the time.
Good discussion, I love learning and hearing new ideas.
There are dozens. Lets just start with two premises. 1) Electricity always wants to return to the source. 2) It will take all paths available to it to get back to that source with the amount of current flow on each path dependent upon the resistance, or quality, of the paths.
So imagine our imaginary boat dock that is made of steel and has a multitude of flexible connections that allow it to move with wave and water levels. Both mechanical and electrical components will move and eventually begin to breakdown or fail.
The metal system, when first installed, will be an excellent return path for a faulted circuit to return to the source. This excellent path will allow an overcurrent device to clear very quickly. What is not readily apparent, because the faulted circuit cleared quickly, is that the water surrounding the faulted circuit (if in contact with the water) was also carrying current for the brief time the faulted circuit was operational.
In a situation where the grounding system has been compromised (and this can occur anywhere in the electrical system, think hundreds, if not thousands, of opportunities for failure) the system may not allow the quick clearing of an overcurrent device or it may not clear at all. As a result, the water, as a parallel path, now is conducting electricity and poses a risk for electric shock. It is a very poor conductor and cannot clear an overcurrent device but can, as we all know, conduct sufficient current to kill. This path will exist until corrected.
In thinking about this, think milliamps, not amps. A 20 amp breaker needs a minimum of 20 amps of current flow to trip and even then, it will take time to do so as these are inverse time devices and not instantaneous. So, a circuit drawing 25 amps may take a minute or more to actually clear. In the water, as it is such a poor conductor, we are speaking on terms of milliamps. 1/1000 of an amp. .005 of an amp can kill a person. The severity of the shock depends on multiple factors and duration.
An such example, that is easily relatable, was a tragic accident that happened in Florida. A young girl was electrocuted walking barefoot though her backyard. It was early in the morning and the grass was wet with dew. An extension cord was plugged into an outlet which was not protected by a GFCI device. The cord had a nick in the insulation that made contact with the grass and earth. The nick was found approximately 60 feet away from the girl (I can't recall the age but I believe she was between the ages of 7 and 11 years old). The electrical service was between her and the nick in the cord. The electricity was taking all paths available to it to get back to the source. There was not sufficient current flow to trip the fuse or breaker but enough where it resulted in the unfortunate death of the girl.
Many, many examples of instances such as this. Many code requirements are based upon such instances, it is unfortunate that fatalities must occur to make these changes. Worst still, it is unfortunate that many ignore the codes or argue against them without fully understanding why the requirements exist. Even worse is the fact that the vast majority of those who enforce these codes are not properly trained or must enforce multiple disciplines. I have been involved in the electrical industry since 1980. If I new 1/10 of that industry I would be a rich person. Now think about that poor 30 to 40 year old inspector who must enforce electrical, plumbing, refrigeration, building and fire codes to name a few. It just isn't possible to be able to identify all the concerns. That is why we should not take anything at face value, an inspector passing an installation does not mean it is correct or safe...