so we recently got a house in Austin, TX (Built in 1997), and found out the AC wasn't cooling. our 1 year home insurance came and went. the repairman for the insurance said there is probably a leak and just refueled the freon, approximately 4lbs as he said the insurance wouldn't cover finding the leak and fixing it since they usually don't. this year called a service repair guy and talked to him for a bit, gave me a couple different options about replacing the unit but no mention of finding the leak. said theres definately a leak and took a look upstairs at the heat pump but didn't know where it was. refueld the freon again 4lbs and charged $xxx for the call and freon. now i'm thinking if i need a new unit down the road as the current trane xe1000 whines a bit when turned on compared to our neighbors units. Will a 13 seer or greater will pay itself off in efficiency in 5 years?
any help is much appreciated. sorry if this isn't informative as i'm not really sure what's needed.