finding something wrong with the hot water heater

I have a hot water heater in my condo that has been here since 2001 when the condo's were built. I have a home warranty and I have gotten in contac with the plumbing outfit that is here in Las Vegas. The hot water heater also effects heating the condo. I do not turn the heat on during the winter time because I bought a ceramic heater that just heats my bedroom. I don't want any extra problems then just trying to have someone change the hot water heater so it won't leak. How can I tell them to change it by just paying for the deductible? There are some items that they will not pay for a new water heater. Please let me hear from you. Thank you very much.