That rateing of 7.5KW with a surge of 13.5KW dosn't sound right to me, especially with a 20A breaker in the generator 240 circuit. 20A X 240VAC is only 4.4KW. A generator manufacturer selling a genset with a 100% surge rateing is probably using some fiction in it's marketing numbers. A more realistic surge number for a 7.5KW would be in the area of 9KW. What size and HP engine does it have on it? What make/model is it, perhaps I can find some more specific information about it online that may help answer your questions.
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I was wondering the same thing. My 4500 watt gen has a 30 amp breaker and it has no problem pushing max amps.
Sorry to say but I think the OP has a very cheap, over rated gen set.
Happens all the time, just look at all the junk on craigs list!