Bay Kid, the expansion tanks are required here in Fl. If you ever need new home insurance, they will most likely require you purchase a new water heater. Consider yourself very lucky yours lasted 20 years, is it electric or gas? A new electric one is about $900 with Mike Scott Plumbing. But, don't be surprised it you have problems in the near future with your 20 year old water heater. Better to replace now, before any surprises.
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