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I'd wait until it springs a leak, then I'd replace it myself. I did one several years ago--turn it off, drain it, disconnect the electric, disconnect the water, haul it out. Then reverse. It took maybe an hour and it cost a couple hundred $ for the heater. In any case, if the heater isn't in a place with a drain, I'd make sure to put the new in a drain pan.
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It's a high rise and the units are 9 years old. Two recent failures have caused the building's hazard insurance to go up, and they're encouraging everyone to replace. This plumbing co is offering a "group discount' of about $100 if residents in our building sign up in next few days.
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So if everyone buys a new tank will the insurance then go back down? And if it goes up or down how does that affect owners? Something sounds weird about the insurance going up because 2 claims were made. Apparently the insurance company thinks water heaters never leak.
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In our unit block, two water heater let go and caused quite a bit of damage to the units underneath.
We fitted catch trays to all the water heaters after that.