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You get sludge in the hot water heater if you turn off the water and drain it. That's one of the reasons you have someone watch your home. The bigger reason is that insurance companies are now denying coverage if a home is vacant for more than 30 days and someone doesn't come in WEEKLY to check it (and you can prove they are checking it -- emails work, supposedly).
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I've received no notification from my insurance company or TV agent about no coverage for our house if it was vacant for more than 30 days unless someone checks it weekly (granted that's a good thing to do but a little pricey). Our TV insurance agent also knew we were snowbirds/flakes and didn't mention any clause or requirement about weekly in house inspections for the policy. I'm sure there can be some companies that require it - if so I'd check with TV Insurance.