I can think of only 2 reasons why a horse would react to the underside of a saddle like this. Check and make sure there are not tacks or nails that could be hurting her. Make sure that the saddle has a good fit, otherwise it could make her back sore. If this checks out OK smell the sheepskin and see if it has a funny order. If is smells bad to her she may not want to carry a saddle or rider.
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