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The best, most cost effective thing you can do immediately is convert your hot water heating to solar.
Florida is the Sunshine State, so it just doesn't make sense to pay your utility company to heat your water.
The "average" Florida home can save 18% on their electric bill by converting from electricity to clean solar energy to heat their water and never be without free hot water again!
Solar Thermal - Heat from Solar Energy
The basic principles of solar thermal are easy to grasp: Unroll a garden hose and lay it out in the sun. After a while the water in the hose will get hot. Thermal collectors work on the same principle, only much more efficiently. A special fluid is heated within a closed circuit to a temperature of up to 430 degrees Fahrenheit and pumped into a heat exchanger to transfer the heat without mixing fluids. This heat is then "stored" in a domestic hot water tank. Some solar thermal systems are used to merely heat a home's domestic hot water, while others are used for heating or even to heat swimming pool water.
Heat will still be generated even when the sun is obscured by clouds. Even on cloudy days, thermal systems work with a large percentage of their capacity through the diffuse light they receive.
"It's a no brainer, with State and Federal rebates and tax credits paying for almost half of the cost of a solar domestic hot water system, the payback is often only 3-5 years", and that doesn't even take into account the immediate increase that such a system adds to value of your home. Never Pay for hot water again!