J received a call from Energy Smart telling him that they will honor the quote they gave us excluding the subsidy. That is $2,700.
We opted for Poly Palace for $1,975. It's only for underfloor but their product has a higher rating, which means warmer insulation. We already have ceiling insulation but needs topping up. We'll see what the underfloor insulation can do and go from there.
According to our budget spreadsheet, we probably can install underfloor insulation in June if my dental fees don't go beyond $2k. I cross my fingers!