Documentation is the lever that actually moves a score or an insurer's pricing, not a complaint alone: a permit on file with the City of Saskatoon for drainage work, a recent grading survey, a $400 to $600 home inspection report, or a clean claims history all give a reviewer something concrete to weigh against a generic modelled result.
For insurance specifically, shopping the policy with that documentation in hand often does more than disputing the score itself, since different insurers weigh local risk information differently and some will price a well-documented property more favourably than a model alone would suggest.
Joel Dyck can help pull together the City of Saskatoon records and improvement history that make that case for a specific property before a sale, not after a buyer's insurer balks. Get your hand-reviewed valuation from Joel Dyck.