20db? Do you have any idea what that means? Probably not, but in any case here's the answer...
First off, most humans can not detect a 25% change in volume. The audio in commercials is NOT louder, it just sounds louder. Given a scenario of a TV show with an audio range of 0.0v (silent) to 1.0v(loud); most people will agree that you would expect a show to have varying degrees of loudness. As in a car chase vs. a love scene. The audio in the love scene might be in the range of 0.0v - 0.4v. Not real loud. But the car chase might have a range of 0.8v - 1.0v. Much louder. Now when a show goes to a commercial, they do something called "fade to black", which is zero video and zero audio. When the commercial starts, you've lost your audio baseline, and they start the commercial at 0.999v. Which is real loud compared to the black silence. Ears don't have much in the way of memory. You think something was louder, but you cant tell unless you A-B test the two sources.
The way to prove or disprove this, is to use an o'scope to measure the audio peaks at the speaker. The commercial does not go any louder than the TV show. It just has a higher average, since it doesn't ever quiet down, and this makes it seem like it's louder.
Btw, a 20db change is more than 300%. It can probably seem that way; if you're using it to compare silence against anything other than silence.