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Toronto is a pretty chilly city to live in. That being said, it helps if you have a warm and snug abode to be in, where you can safely curl up indoors. That’s the ideal scenario, at least, but apparently, not every house tends to hold up well to the cold. There would be times when the indoors still feel chilly even with the heater turned up. There are a few possible reasons why your home may still feel colder indoors than it should be. One possible culprit could be your home’s insulation—it could be either outdated or insufficient. Rooms with inadequate insulation may feel a lot colder than properly insulated ones, with attics, rooms over the garage, basements, and newly added rooms being particularly vulnerable.
http://www.envirotechinsulation.ca/info-articles/687