you need some sleep.

got a gas kitchen stove? crack open a window a few inches and turn it
on to bake 500, leaving the oven door closed to protect the safety
pilot.

got an ELECTRIC clothes dryer? disconnect its exhaust flex and point it
into the house, set for timed dry, maximum minutes, maximum
temperature. push start

now the pipes can't freeze if you keep them warm at the fixture rooms
such as the bathroom, so plug in some digital thermostat portable
electric heaters, they will throw off 1500 watts of heat.

here's the seasonal averages. pretty nice.
http://www.wunderground.com/NORMS/Di...=none&IATA=SFO

an 80,000btu forced air furnace costs under $600.
plus parts and ducts and pipe and labor.

got wind? put up a windmill.

you need an attorney or insurance adjuster to deal with the insurance
company. once you get that money in your hand you can make your own
deal for the systems you want.

you need to refinance your expensive home with a home equity loan and
have some home repair lines of credit available to you.

every system failure has a silver lining, you're being firmly pushed
into the future savings of energy star.

now that the house is warmed up, read all this:
http://www.energystar.gov/
and this
http://www.energy.ca.gov/title24/changeout/index.html








you need to put your utility company on balanced billing so there are
no surprises in winter.