My heater is not clicking on when set to AUTO. However when I set it to on it comes on but the air blowing is COLD! I'm not sure if it has a pilot light... how can I tell. I will hate to call my home owners insurance and pay an arm and leg just for them to come light it! PLEASE HELP

Not knowing what kind of home owners insurance you have,but I`ve never seen a homeowners that covered breakdowns and repairs, but if you could give us a brand name and a model number it would help a big bunch, you should be able to look inside and see if it has a burning pilot light,,