Hi Ölschlamm,
What is going on in this thread? There is no reason to be fighting...
Oh, thanks for the answers
: Your hint ultimately leads further (if the numbers are roughly correct). With an air-to-water heat pump, according to my rough calculations, I would come to about 3000 kWh p/a (seasonal performance factor 2.1 is realistic with panel radiators supply temperature 45° - please no discussion, that's how I want it! - and extremely drafty high-altitude location on the Swabian Alb approx. 600 m above sea level - that's probably the max) so electricity for about 750 euros. With the gas system, I would probably come to 6000 kWh minus solar thermal 1500 kWh = 4500 kWh so about 260 euros. Savings roughly 500 p/a with additional costs of 9000,- (gas tank, connection, chimney sweep, etc.). Add another 100 saving from insulation on that, so 600,- p/a. Probably still not a good idea.
michael
If I read your data again, you have already given the answer yourself as to which heating you should choose. Under the boundary conditions (cold area and a heating system that requires 45°C supply temperature) you can simply forget an air-to-water heat pump. It will deliver a seasonal performance factor that is terrible (I consider your 2.1 realistic because for large parts of winter it will run purely electric heating = heating element in the boiler). And the good piece probably will not have a long life. Almost every electrical appliance (fridge, drill, and also drives) is designed for a certain switching frequency and switching duration per hour. A normal drill, for example, max 5 minutes per hour. Your air-to-water heat pump will run at full load much more than intended under your conditions. Don’t expect it to last 15 years.
There are also air-to-water heat pumps adapted to other ambient conditions and higher supply temperatures (different refrigerants, pressures, etc), but I would presume high prices there.
If a heat pump, you will probably have to reasonably choose a ground probe heat pump. And that will again be significantly more expensive than gas with solar thermal, gas tank, etc.
Furthermore, I consider your 6000 kWh heating demand cautiously said, very optimistically estimated. In a warm residential area in Franconia at 360 m altitude on 135 sqm with wall U-value 0.19 plus triple glazing windows, we come to about 10000 kWh heating demand (8500 gas plus 1000-1500 from solar thermal).
So better assume at least 1000 euros/year as electricity costs for an air-to-water heat pump compared to 500 € gas costs.
In my eyes, your question is therefore not "Is it worth insulating more" but "What do I have to do to get the house approved with a gas heating system."
Only two questions I have:
Have you already signed a contract with your builder or are you still negotiating? That means, will the new Energy Saving Ordinance starting 1.1.2016 apply to you? Then you have a problem with your specifications...
What do you have against insulation under the floor slab? This is actually nothing new or unusual and, according to several experts, perfectly okay.
Best regards,
Andreas