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When Elizabeth Dodson moved from Maryland to El Dorado Hills, she and her husband bought a new home. Three years later, the hot-water heater broke. The warranty had just expired (of course), costing Dodson more than $2,000. She made a typical rookie mistake: Because she wasn’t familiar with hard water, which is common in the Capital Region, she didn’t know that she needed to regularly flush the heater to remove mineral sediment buildup. For Dodson, this was a setback, not a catastrophe. But she asked her contractor, “What happens to the people who make this mistake and can’t afford a new hot-water heater?” She was told they take ....