Traditional IRA contributions can be tax deductible or partially tax deductible based on MAGI. In 2014, an individual with a MAGI of up to $70,000 is eligible for at least partial deductibility. There are no income limits on who can contribute to a traditional IRA.
When the water heater breaks / leaks whatever the pressure tank is going to loose pressure telling the pump to come on and the pump will run continually as it can not build pressure to shut it off.
The landlord has a duty to maintain the premises in a habitable or livable condition. If a heater breaks in an apartment, your landlord is responsible for the repairs because this condition would render the apartment uninhabitable pursuant to the local and state housing codes. Unfortunately, heaters tend to break at the least convenient times, often in the dead of winter late on a Sunday evening.