I live in VA and my townhome was built in 2001. In the winter, the floor in front of the bay window which extends out with 2 windows is very cold. Also, the seat of the window is very cold. I have a coat closet in the same room and when I touch the wall that is on the exterior wall, it is much colder than the other wall and the same for a broom closet on the back exterior wall of the house. Is this an obvious insulation issues, if so how can it be fixed without tearing out walls and floors?