A window or doors U-Rating represents the insulation value of the total window unit against conductive heat flow. The lower the number the better. This type of rating applies to windows & doors, even in the shade. It can be 25° F or 115° F in the shade. The hot or cold air comes in direct contact with the glass and frame and then heats or chills them until that temperature transfers through. The speed in which that temperature transfers through is the U Factor.
When you touch the glass in the summer, even in the shade, it is warm. Hot and cold air are attracted to each other. Just like a hot front and a cold front, they rush together to cancel each other out, causing high winds and rain. The 55-degree air coming from your AC rushes straight toward the warm glass in the house instead of staying in the middle of the room keeping you cool. The AC is cooling the glass as fast as it can, but the heat is coming in faster than the AC can cool it.
When you touch the glass in the summer, even in the shade, it is warm. Hot and cold air are attracted to each other. Just like a hot front and a cold front, they rush together to cancel each other out, causing high winds and rain. The 55-degree air coming from your AC rushes straight toward the warm glass in the house instead of staying in the middle of the room keeping you cool. The AC is cooling the glass as fast as it can, but the heat is coming in faster than the AC can cool it.