Andrewket;
I too am in Northern Virginia and we lost power Monday for over five hours --- likely due to ice conditions. We also have a Cummins Onan 20 kW generator. Because of the existing household electrical distribution, the electrician found it easier to simply wire the generator to the two main panels in the house (requires two disconnects and two transfer switches though). The likelihood that that we would have an excessive load in that configuration is minimal but the generator would shed the load if necessary. The 14-50 in the garage is wired through one of the main panels. So we get L2 charging to the car from the generator. I tested it once the generator was installed and it works perfectly. During the test, I increased the charge level to Maximum to ensure the car would pull maximum amperage. Note: we use UMC and the 14-50; we do not have HPWC. When we lost power on Monday, the car was already charged, so it didn't need any extra juice from the generator. In fact, the generator had very little load on it (we have natural gas heating and water heater).