The above photos are showing poor insulation in the floor that overhangs the exterior wall. The darker the color = the colder the surface. This is common when batt insulation is just stuffed into an area. Voids are present that allow heat/cold to pass easily. The temperature change is not just a discomfort. It can lead to condensation, mold and wood rot. I am a big fan of foam insulation. It fills most gaps and creates an excellent heat barrier.
Charles is a home inspector and a home inspector trainer. He started as a professional home inspector in 1993. He works for Chicagoland Home Inspectors, Inc. and Bellman Group, Inc. He has earned the title of Certified Master Inspector (CMI) from the Master Inspector Certification Board. He earned the title Certified Property Inspector (CPI) from the International Association of Certified Home Inspectors. He earned the title ASHI Certified Inspector (ACI) from the American Society of Home Inspectors. He served as a Director and Officer of the American Society of Home Inspectors. He hs a tremendous passion about the home inspection profession and prides himself on helping his clients with the biggest purchase of their lives.