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The amount of time it takes to replace an electric water heater will depend on the skill level of the individual who is replacing it. For example, if you replace it yourself–and you don’t have much experience–you can expect the project to take a full day. 

However, if you have a certified plumber or water heater contractor install your new water heater, it can take as little as 2 to 3 hours.

Any item that can hold on to moisture and encourage mold growth should be discarded and replaced following water damage. Upholstered items, such as armchairs and couches, and soft items, such as mattresses, usually must be thrown away once they've taken on a lot of water. Soft furniture is difficult to dry out, creating an inviting environment for mold.

You may also need to replace hardwood furniture following water damage if you're unable to fully dry it out. If you have appliances and electronics that have been fully submerged in water, particularly sewage, you'll need to replace those, too.

The standard copper wire gauge to use with any 30-amp circuit is a 10-gauge wire. The National Electric Code specifies a 10-gauge wire with appliances like water heaters running on 30 amps. If you try to use a smaller gauge wire, such as a 12 gauge, with a 30-amp breaker, you run the risk of the wire overheating and melting or causing a fire. Because of the safety hazards, the gauge of the wire is not an area to try to cut costs when connecting a 30-amp breaker to a water heater.

Homeowners insurance may cover the repair or replacement of a water heater if it's damaged by a covered peril, such as a fire or a burst pipe. However, policies typically do not cover repairs or replacement needed due to normal wear and tear, old age, or lack of maintenance. For these issues, a home warranty or a manufacturer's warranty may provide coverage. While the policy might not pay to fix or replace the malfunctioning appliance itself, it often covers the cost of water damage restoration caused by the faulty water heater. Always check with your insurance provider to understand the specifics of your policy.