Good "American" article that hits home north of the border. Don't be affraid to challenge your apprisal or provide your appointed appraiser with a list of your recent upgrades and reasons why yours is better than the comparables.
Fighting back against lowball home appraisals
Poor appraising often makes it difficult for homeowners seeking to refinance. Make sure the appraiser takes into account accurate data on comparable sales in your neighborhood and how the market has changed in the past 6 months or less.