Consider this: my neighbors a few doors down had a situation where a lightning strike shorted one leg of the 240v to the neutral underground. Lights became very bright, smoke from wall receptacles and after a short while, the entire house burned unto the basement. If the power had burned itself a disconnect, how would a standby generator without a neutral opening transfer switch reacted to this?
The reason I asked is because a few months ago, I had a 7600v underground line going from a pole to my on the ground transformer burn out and shorted to earth. If it had shorted to a neutral, my house could have been burned. The talk of neutral disconnect is new to this semi-annual discussion.