Cold fellow getting dressed (4)
I believe the answer is:
clad
'dressed' is the definition.
('clothe' can be a synonym of 'dress')
'cold fellow getting' is the wordplay.
'cold' becomes 'c' (eg on taps).
'fellow' becomes 'lad' ('lad' can be a synonym of 'fellow').
'getting' is a charade indicator (letters next to each other).
'c'+'lad'='CLAD'
(Other definitions for clad that I've seen before include "Wearing" , "Decked" , "Clothed, covered" , "Invested" , "Cover with insulation" .)