I don't know what the gas/electric rates are in your area, but in NWMO, propane is cheaper then electricity, and if she isn't in a rural area, I would think natural gas would be available and cheaper than propane. Some utility companies will give you a reduced rate if you are using electricity for heat, but the amount and time the discount applies varies widely. As far as a heat pump goes, I would think the outside temperature would be low enough to make the extra cost a bad investment, unless you are talking a ground source heat pump, which is expensive to install. Standard heat pumps loose efficiency rapidly below 35 degrees or so, and are not worth operating at all below 30 degrees. I would suggest putting a pen to paper and see what works out best in her particular situation, and don't forget to calculate how long it will take to recoup the costs of the service panel upgrade and extra heat pump cost. If this contractor won't listen to your concerns, find another one with references.
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Today's Featured Article - New Life for an Old Allis - by Tyler Woods. My friend Jon, has an old '39 Allis Chalmers B. He thought it a marginal tractor that had long since served its time. She smoked terribly and never had much power but he couldn't afford another so he was limping along with what he had. Jon's Allis has a small front loader and though it doesn't carry much, it serves his needs. It was the hard starting and low power that made him think it was time to replace the old girl. Jon called me to help him discover why his tractor wouldn't start
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