The only cost may be the heating and a/c upgrade
If I were you and you have not already done so, I would look into getting a heating and a/c protection plan from your local heating and cooling corporation. If you have yourself a heating and a/c protection plan you can absolutely reduce the risk of going broke in the event a storm or other natural disaster wrecks your central heating and cooling unit to the point where you have no choice however to buy a brand new, up-to-date and usually particularly high-priced central heating and a/c. With the heating and cooling protection plan you will be covered! You will not have to invest thousands of dollars at short notice to buy a brand new and up-to-date central heating and a/c unit. You will be protected by the heating and cooling maintenance & protection plan that you pay a particularly little amount for each month. And that heating and a/c protection plan will replace your broken and destroyed central heating and a/c that was ruined in a storm or other natural disaster for no cost what so ever. The only cost may be the heating and a/c upgrade. And that absolutely is not that much currency compared to that plus several thousands of dollars for a brand new and up-to-date central heating and a/c unit, my Heating, Ventilation & A/C protection plan saved me thousands a few years ago when a storm wrecked my central heating and a/c beyond repair. It could help you as well if you don’t have one already!