Older lower-city and Westdale attics are where unfamiliar loose fill is most likely. Pebble-like, grey-brown material may be vermiculite, which should be treated as potentially asbestos-containing until it has been tested. It should not be vacuumed, walked through, or covered until that question is answered.
The same older homes can still have knob-and-tube wiring in the attic. Before new insulation goes on top of any wiring of that age, have an electrician confirm what is live and what the safe approach is. It is a short conversation that prevents a much larger problem.
Once material and wiring are known, the rest is a normal plan: air seal the ceiling plane, correct ventilation and baffles at the eaves, then top up or replace the insulation to the target depth. If you are planning to claim the Ontario attic insulation rebate, the target is R-50 and the whole roof area has to be done, so confirm that in the quote.