Shut off electricity to water heater, take off the plates that cover the heating elements, (double check to make sure power is off) disconnect wires from heating elements, use ohm meter to check for continuity. If you have continuity they are good, if not they are bad. There is an ohm rating they should fall in, but usually it's a go no go type of deal.
Turning off the water to your house should not matter as long as you turned the breaker off to your water heater.
Turning off the water to your house should not matter as long as you turned the breaker off to your water heater.