Hi Eddie, I am in Southern NY, about an hour north of NYC. Yes, the house is recent construction and I oversaw most all of it. While I am sure the insulation could be improved upon, I feel the potential benefits of upgrading the insulation would not be worth the time and expense. Simple fact is I am looking to heat more house than the 5700 is capable of. In other words, the heat I do get out of the 5700 is very much in line with the MFG stated heating capacity.