What factor causes the insulating quality of a German Spitz coat to collapse, making the dog feel cold quickly?

Answer

Moisture saturation of the undercoat

When the undercoat becomes soaked from water or wet snow, the trapped air pockets collapse, causing the coat to lose its primary insulating barrier against the cold air.

What factor causes the insulating quality of a German Spitz coat to collapse, making the dog feel cold quickly?
Dogcoldpetbreedspitz