Insulation in a Strange Place Need Advice

Hi,
The old homeowners built a bay window in the kitchen. It looks great but the floor gets cold. I went outside and looked where they built the bay window. There is only plywood and no crawl space or foundation under this window so the floor essentially has no insulation. I'm eager to staple insulation to the plywood but I'm afraid that animals may tear it out. Does anyone have a suggestion.
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How about 3/4-inch solid insulation covered with another layer of plywood? -B

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Why only 3/4? Use an inch or two of Styrofoam, plug any vertical holes, and cover the whole thing with another piece of plywood.
Dave.

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Is there room between the floor joists? I'm guessing that the plywood you see outside encloses the floor joists. Also, I would guess that a lot of cold air falls down from the windows and pools in the bay. Window coverings or a fan to move the pool of cool air might help. TB
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