I had a snafu where I had insufficient funds in my bank account when a credit card bill hit. I called my credit union up, explained the situation (and that the funds were transferred would take a few days to get to the account) and they credited the over charge fees back to me.

I would call and ask.

Heat Pump. I had central forced air heat and was spending $500/month in the winter to heat my house. I can’t get gas. I spent $17k through Costco and got a $2k gift card. That included a new furnace.

If you don’t have central air you can still get a heat pump with cassettes set in certain rooms. The routing is easy.

A cheaper option would be to check the insulation in your attic.