I don't see my friend the good Buick man responding, but its sort of the same as the transformer mounted outside on a utility pole. It is 240 volts across it two outermost terminals, but in its mid center point there's a tap which is connected to a GroundING Electrode Conductor (No 4 bare copper wire) that leads down the pole to a GroundING Electrode (driven into earth cooper rod). From that center point, its ONLY 1/2 OR 120 VOLTS from EITHER outside terminal and therefore, only 1/2 of the total power dissipation is available. That's for a cheaper single winding transformer or genset. However, if you were to have two windings (would be more expensive) and had the ability to place them in series (240 volts) or parallel (120 volts) then you can dissipate the same power (I Squared R heat) at EITHER voltage, as each winding still dissipates its 1/2 share.
Surge ratings and KW versus KVA and dual voltage etc are important considerations when selecting a genset.
John T I AM an Electrical Engineer but retired and pretty rusty on this, so NO WARRANTY. Buick is younger and currently practicing and the question was for him, so see what he has to say.
DISCLAIMER, This is merely an opinion, and like ALL opinions posted here, it may be right or it may be wrong, I'm not saying it is or it isn't, some others may agree some others may disagree. Its worth what you paid NOTHING take it or leave it, its your choice
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