then you get 110 and 110 but not 220, I can never remember which it is. Yes Kwired on the load side but it could also be at the meter if the utility dropped a phase.
It could be at the line coming in, a bad meter, a burned meter socket, a bad main breaker, a burned bus, or a bad circuit breaker.
You check the circuit breaker first and if it shows up there then you go to the main and if it shows up there then you pull the meter and check across the line side if it shows up there it's a utility issue, if it doesn't then it's probably the main breaker. I've found this three or four different times.
It's very easy to figure it out. If the refer or any other 110 motor loads sounds like they are working hard at start up, that's what it is.