A Middletown couple lived for weeks through the coldest days so far of this winter without a working heater in their home — despite paying into a home warranty for 27 years.

If defrost isn’t working, something in the chain is broken. This step-by-step approach shows you exactly where to look and what to test.

Bills can soar in winter, but finding a balance between staying comfortable and overspending can start with some simple steps ...