Electrical Questions? Ask an Electrician Online.
Hi, I'm Mike G and I'll be assisting you. The problem could be either one. Do you have a 2 wire voltage tester and willing to test in the panel and at the hot water tank?
Unfortunately there isn't anything you can do without one. They are available at any home center. I suggest a Volt/Con tester. Easy to use and cost around $20.00. Get one and we can continue.