OK, here's the deal. In 2007 I built a new house in upstate New York. The house is a 2400 square foot ranch. The walls are insulated with R21 plus I used a insulated vinyl siding (additional R4), the ceiling has a full layer of R38 and 75% of the ceiling has an additional R21 on top of the R38. I did the insulation myself, so I can vouch for all seams being taped. All of my windows are double pain, argon filled, low e windows. I had a Geothermal contractor with 35 years experience install a WaterFurnace Versatec 3.5 ton unit with a 10 kw electric supplemental heat. The house has 4 zones, 2 Jackson System Central Processing Units, Robertshaw 9560 thermostats. So far no problem! Here's the problem my electric usage ranges from 1200 kw per month Spring and Fall to as high as 5200 kw per month in the winter. This past month with temperatures not very cold (highs 35-55, lows 19-35) we used 3400 kw. My well pump is a 2hp pump, so I know this is using some of the electric. My well is 350 deep with the water level 18 feet from the top it's providing 8GPM to the open loop system returned to the well. I have a Mono XT Drive on the pump to prevent start up spikes, etc. Here's the family makeup: 3 adults that work during the day, and one 17 y/o who's in school during the day. Nothing is left on during the day. 80% of the lights in the house are CFL. No lights are left on in unoccupied rooms. One to two tvs on 3-4 hours per day (6 on the weekends). All appliances are energy star most 3-7 yrs old (most 3). No pools, hot tubs, or other electric hogs. We keep the heat set at 68 and AC set at 75. Electric furnace is turned off at the breaker. The geothermal furnace runs a lot (between 40 and 50 minutes an hour) and it's not that cold yet. The last two winters our we've been over 5000 kw for the months of Jan and Feb. I've asked my contractor numerous times why I'm using 4000 kw a month to heat, and he has not helped. He wants to charge me 4 hours of travel time plus his time on site to take another look at it. I'm not looking forward to another winter of $700 electric bills. My last house I built in 1999 and live in for 7 years never had utility bills over $300, and we kept the heat much higher in the winter (natural gas system). I know this was long I apologize. Any ideas?