Yes, you are likely to lose a lot of heat/cool through that floor at only 3" of insulation, and particularly above a garage. The comfort level could improve significantly by increasing the insulation and air sealing. Most newer homes will have very different, and higher, R-values there than were common a quarter century ago.Hello, I have a 25 year old house with a garage under some bedrooms. It has 3 inch insulation. Am I leaking cool air from above? Will adding more be noticeable? What are newer built homes using? Thanks mike