The R-Value of your walls is fine. But you may have other issues that are contributing to your electric bill.

Get an energy audit done, starting with the blower test. It will tell you if you do have leaks anywhere. Air leaks are more responsible for high energy bills than lack of insulation.

What insulation did you use in the attic? Most heat loss and gain is through the roof.

Do you have lots of windows? Are the LowE? Do they face south?

I'm currently building with ICF although we're using Nudura. Our builder was very aware of blowouts and went overboard with bracing (steel & wood) plus using string, levels to ensure straight walls etc. It seems your contractor may not have been very good. What bracing system did he use for the windows and doors? If that's not done well there can be a lot of air leaks around these areas.
Sorry to hear about about your troubles, hope they're remediable without costing a fortune.

Did the HVAC 'know' how to size the units for an ICF house? If they don't have exp. except with stick built, they probably oversized your units. Smaller tonnage must be used for ICF compared with stick of same size. How long have you been in the ICF house. They do need 2-3 months of acclamation from what I've read before they become the most efficient.
You might want to ck out greenbuildingtalk.com There is a forum there dedicated to ICF.

Hi Robin,

Just curious as to why ICF needs 2-3 months of acclimation. Do you recall the reason? We have been in our home for 3 months and were surprised by our last monthly electric bill--about $125 and have not used any AC yet and have a gas furnace and range (I cook a lot). We were wondering where the usage was also but maybe it is the acclimation?

Teresa

Hi Teresa,

I don't have an ICF house yet but it will be my next house. I have read this at the other web site I mentioned. Has something to do with the mass of an ICF. I'm still learning all I can about ICF and from everything I've looked at...so far... it is one of the best choices for the money at this time to save energy.

"...surprised by our last monthly electric bill--about $125 and have not used any AC yet and have a gas furnace and range (I cook a lot)"

If you haven't used the AC yet and have a gas furnace, why would the home insulation be a factor in your last monthly electricity bill?

If I was you, I'd turn off ALL electrical appliances, check the electricity meter and then turn on each appliance one-by-one and check the meter between each to find what consumes most of your electricity.

20