Replying to Siver jackets

i just got a siver "raven" jacket from my ski shop and on siver's website it says that it comes insulated and not insulated. mine has like a mesh thing that goes in the whole inside and then the outer shell, so im guessing that this is just the not insulated one. how much warmer is the insulated one and is it worth returning it to go and get the insulated one? also, if i ordered it from online and it doesnt say which one it is, what one should come?