Too little insulation means little resistance to the temperatures in the attic. In the summer, the attic is hotter than the outside temperature. It heats up the ceiling, and that heat radiates into the rooms below making them hot, uncomfortable, and hard to cool down. In the winter, the attic is the same temperature as outside, making the ceiling cold. As heat rises through the home, it meets the cold ceiling, is cooled down, and falls. This cycle, called convective looping, continues leaving the home feeling cold and drafty, and difficult to warm up.