Oh okay, I understand now. Doing the same test I did but with a megger. Makes sense. I'll try to track someone down that has one for me to borrow. I really appreciate all your help!
I posted the question on a home improvement site I am admin of also. We get a lot of pro electricians and by tomorrow I should have more answers on meggering a hot tub heater with the water in.
For sure you will need to disconnect the wires to not put high voltage back the lines.
Ask around you might find someone to lend you one or rent.
If I get any replies I will post what I learn.
