The roof must be insulated under certain circumstances, which can be found in the Energy Saving Ordinance. It’s worth keeping in mind and might even be cost-effective. Insulating a clinker-brick house afterwards is, however, as already mentioned, not very sensible. Windows can be worthwhile, depending on their age. If an old woman alone consumed 220 kWh/m2, it could be 400 or 100 for you — you can’t know and should consider that. At 400, heating costs would amount to about €3500, compared to €500-1000 for a new building.