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Yes, cold walls are a common indicator of poor or inadequate insulation, especially if the walls feel significantly colder than the air in the room. This suggests that heat from your furnace is escaping rather than being retained. The issue could be that the walls have no insulation, or that the existing insulation is old or has been damaged by water, moisture, or pests. Your best course of action is to hire a professional to investigate. An insulation contractor can determine if you need to add or replace insulation and can often perform the work without creating large holes in your drywall. If you suspect the problem might also be related to your heating system's performance, an HVAC technician can take a closer look.

Minimal maintenance is required, though regular inspections to ensure insulation hasn't shifted or deteriorated can improve performance over time.

The most insulative type of insulation for behind drywall is spray foam insulation, but this is the most expensive insulation available. The most common insulation—sometimes considered the best for the value you get for the money—is fiberglass roll or fiberglass batt insulation, which is significantly more affordable but also far less insulative. The best kind of insulation for your house will also vary based on the climate in your area, your budget, and more. A professional insulation company can help you decide which type is best for your home.

In addition to adding insulation to your attic, you may want to add a radiant barrier. A radiant barrier works by using reflective material, such as foil, on the attic floor. As heat penetrates the roof and enters the attic, the radiant barrier reflects the heat upward and back through the roof. If you receive a lot of direct sunlight on the roof, using both a radiant barrier and insulation in your attic can provide significant benefits.