I think this is likely OK but was hoping for a confirmation that it’s in fact OK, as this scenario would not be present if the house was in the city of Kyle and not just outside the city limit. It’s new construction and a large national builder but no jurisdictional inspection.
There are 2 separate circuits coming into the panel and the white wires from both circuits are combined in a wire nut, with one white wire going to the 20 amp breaker. The black wires from the same 2 circuits are also combined, with one black wire going into the breaker, labeled “garage plugs”. There are 2 separate GFCI circuits in the garage with a combined total of 4 receptacles, which all tested good. My best guess is that they decided to add a separate circuit for the lawn irrigation controller. There is also a loop for a water softener but the receptacle near that is on the primary circuit for the garage.
When I searched the forum, I found a very similar topic from 2005 and at that time, the consensus was that there wasn’t a problem with the installation.
As far as reporting, I currently have this in the report as a comment but not a deficiency.
Thanks for sharing any comments
You are okay because everything is on a single branch circuit.
Thanks for the help
Something isn’t adding up. The garage plug breaker does not appear to be a GFCI breaker. It should not have neutrals connected to it. The neutrals appear to be connected to the breaker above the garage plugs breaker? Maybe?
All of the neutrals for the “garage circuits” breaker should be landed on the neutral bus.
I’d say it’s okay as the same can be found in any J-box, and this senario is most certainly better than a double tap.
I agree with Ryan. Typically, neutrals are remarked black and used on a 240 volt circuit breaker not a 120 volt circuit breaker.
Edit: Ah, GFCI I see now.
Looks like the pigtail is going to the 4th CB on the left side which is a 15 amp AFCI breaker so it would have a neutral connection.
So what was your comment in the report about this?
I see a exposed hot wire with a tear in it on the lower part left side of the panel.
Jose - I saw what looks like a tear on the black wire and it wasn’t.
I now realize that I should have taken the picture when I had the wire nuts pulled out so I could better understand what was going on.
Robert, the bottom white wire in the picture is the one that’s been pigtailed and the black wire below it is the other one that was pigtailed, and if the house was just down the street, the breaker would have been a GFCI or combo GFCI/AFCI but without a jurisdictional inspection, the electrician might have been able to fall back to minimum standards. There is a GFCI receptacle on both circuits and the GFCI function performance was fine.
The pigtail is not an issue. The AFCI breaker is not an issue. GFCI protected receptacles are not an issue. I’m still unclear as to what this circuit is feeding. There is a requirement for a 20 amp circuit(s) to a garage.
IMO… it is just the clear insulation protector, which doesn’t affect the thermoplastic insulator, but also helps when pulling the conductors against damage from conduit and boxes, etc. .
Michael, My comment was: There are two circuits that are tied into one breaker in the sub panel, labeled garage plugs. Because the junction is not made at the breaker, but is within the
panel and contained within a wire nut, this is allowable. Ideally, each circuit would
have its own breaker so as not to overload this breaker and cause it to trip. In this
case, it’s a 20 amp breaker and there are only a combined total of 4 receptacles
in the garage.
Robert, Thanks for the help!
I’m not really seeing the usefulness of that comment in an inspection report. I don’t think you have two circuits there; one breaker, one circuit. It is a receptacle circuit that happens to have a junction in the panel, instead of a box elsewhere. A garage only needs one dedicated 20a receptacle circuit, which you have. How is this anymore likely to be overloaded than any other receptacle circuit?
A garage requires (1)-20 amp circuit for a receptacle in each garage bay. That circuit cannot serve any other outlets. So if they have combined all of the garage receptacles onto one circuit then that’s a violation. Under the 2020 NEC generally a garage requires a minimum of two circuits.
Thank you for teaching me. I am new and just eager to learn. I will do better. Can’t wait till I can get to that level. 
Im humbled.