How would your insurance company even know. I have never heard of anything like that and I have been in the insurance business for 36 years. If you know what you are doing then just buy one and install it.

Hot water hester
 

Get a new insurance policy

The building code doesn't require a permit to replace a water heater, but the county does. My research indicated that a permit is required by all three counties in The Villages: Sumter, Lake, and Marion. However, the permit can be obtained after the work has been performed. So, if your water heater fails on a weekend, you can replace it immediately, and then apply for the permit. I assume that is how reputable licensed plumbers comply with the law. And, you still need a permit if you do the installation yourself.

No, you don’t. If you replace a water heater with the same type in the same place no permit is required in Sumter County.

That is true for Sumter County, but I don't think it applies to Lake and Marion counties. From AI:

"Yes, a permit is required for a water heater replacement in Florida, with the exception of a few specific locations like Sumter County where a "change out" of the same type and location may be exempt."

Clarified.

Similar experience. I bought a Lowe's electric WH and the only Lowe's "independent installer" that contacted me wanted about $1,000 to install it.

I found someone else to do the work for $300. It took 2.5 hours and $50 materials.

Don’t Use Mike Scott. Frank Gay bought Mike Scott and uses His name because of the bad press in THV.

Don’t use Mike Scott. Frank Gay bought Mike Scott and uses his name because of bad press in THV.

Mike Scott Plumbing is owned by the Scott Family.
 

Mike Scott Plumbing is owned by the Scott Family. Frank Gay bought Kiley and Sons Plumbing.

Frank Gay was bought by Alpine Investors and now operates under Apex Service Partners. In turn Apex is partnering with other HVAC, Plumbing and Electrical service providers so the problems are probably spreading.

Make sure you know who you are dealing with.

The price for a new basic hot water tank is about $900 installed. For that price why would you do it yourself unless money is tight or you have nothing to do? Especially if you have gas. Most every year Lowes has close-outs on electric hot water tanks where you can get one for as low as $200. If you are doing it yourself, forget about paying anyone, you probably have many neighbors willing to help you install it. As far as the heatpump systems, they look really good and I like the idea that you can cool your garage with them but these systems have a sealed refrigeration system like your HVAC system and I'm not sure how long they will last. I do know you need to make sure the coils stay clean and it's almost imposible to get at the anode rod so either way, if you can't change the anode rod, the tank will have a limited life. You do save on energy with them but it's not worth it since we only pay a couple hundred dollars to heat water every year.

Trying to associate an established, honorable company with an established, dishonorable company should be libelous.

You can do it yourself. Get it inspected afterwards.

Three posts. All saying the same thing. Just to be disagreed with by others. Interesting.

I'd delete this false information...