A hot water temperature sensing cut-off system and method for use with electric water heaters to preclude the flow of unsafe water from the water heater into the hot water distribution conduit to prevent the risk of bacteria transfer in the hot water distribution conduit. One simple solution is to mount a temperature responsive shut-off valve between the hot water supply outlet conduit of the tank of the water heater and the hot water distribution conduit and wherein the valve will shut-off water flow upon detection of an unsafe water temperature below 125 degrees Fahrenheit. Another solution is to use a controller to operate a shut-off valve. A temperature sensor is located to sense the water temperature at the intake of the hot water conduit and feeds a signal to the controller to operate a closure component of the valve to shut-off the hot water supply upon detecting a predetermined low water temperature fed to an inlet end of the control shut-off valve. When the water heats up to a predetermined safe temperature, the controller opens the valve and continues supplying hot water.