I almost hate to say anything because there are so many variables. First of all in most places the insurance company can't get out of paying because of non-compliance unless that is the cause of the loss. In this case if the non-compliance still exists it was not the cause of the loss and if it is, it would be gone. The capacitive method is a nice idea but I think it would be too easily fooled by circumstances.
First of all take the case of if the power ison, here in the city there is always 60Hz SOMEWHERE and could be picked up capacitively even if power is not restored. If you connect a high impedance DVM or VTVM to the power lines when it's out it will likely read some voltage. That's why alot of electricians use what's called a Wiggy. This type of meter presents enough of a load to make sure that when it says a circuit is live, it is really live. It's a similar comcept to using a battery tester instead of a meter, to find out if there is any current behind it.
At 60 Hz of course you can't just put the bulb near and have it glow, so you wrap the wire(s). Getting enough area for the plates of this "capacitor" is the key of course. If you have Romex type entrance cable you would have to tape it along the sides, if it's in conduit you need to get inside the box.
If you are turning off the main breaker and backfeeding the panel, that's not quite the way to do it. There are setups available for this purpose at electrical supply places. First of all the first thing the mains must hit is a main breaker or disconnect. Unfortunately you need to be before this. Since this pain in the ass exists why not just get another box that will hold a relay to switch it automatically ? It's probably about a hundred bucks in components tops, and that should include the enclosure and whatever wire needed. A relay simply switches the source. It pulls the relay with line voltage, when it is gone it switches over. With some minor enhancements you can make it shut off the generator as soon as power is restored, and if you want to get fancy and the generator has electric start the whole thing can be automated.
There are products available that do just that, but you CAN DIY this if you mind the NEC and local codes. If you DIY, mount a dorrbell Xfmr in a box right on the side of the main panel. Hold a relay open with it for the ignition of whatever cutoff the generator has (can be a problem if it's deisel). To have it autostart the main problem is sensing when the engine is actually running to disengage the starter motor. There are several methods of doing this, and some generators are setup for it already. It all depends on exactly what you have.
However, if you look for example at Grainger, the proper enclosures are available. What makes it legal is the doorbell Xfmr, which must be installed a certain way. Then whatever you do with the 24 volts doesn't mtter because it is class two. Remember class one and two wiring must be separate, and even with class two you can't do just anything you want.
Tell ya what, since it's a lazy Sunday afternoon I'll have a look around, I bet what you need is available, and for less than a hundred bucks.
J