Next is your water heater also. Check the temp on the thermostat(s) (top and bottom) on your water heater. Many people turn it up because they like HOT showers etc but really should not be above 120.
Like I said, I'm a stickler, and a penny pincher, last year I moved the thermostat on my water heater to just above 100. I can't stand HOT showers... and I'm usually in and out.