--- title: "Padder Guarantor claims in BC: timelines, documents and forms | Padder" description: "How to file a Padder Guarantor claim in British Columbia: serve a 10 Day Notice within 30 days, notify Padder within 45 days, take an Initial Action within 60 days and submit your claim within 60 days of the Coverage Event." image: https://resources.padder.com/hubfs/Partner_Brand_Centre/Padder_Link_Preview_1200x630.png --- [Skip to content](https://resources.padder.com/bc/claims/padder-guarantor#main) [Resource Centre](https://resources.padder.com/)[Claims Centre](https://resources.padder.com/claims) [![Padder](https://padder.com/wp-content/uploads/2025/02/Large-logo.svg)](https://padder.com/) [Contact support](https://resources.padder.com/support) For residential property operators in British Columbia # Padder Guarantor BC Claims Centre For residential tenancy defaults in British Columbia covered under Padder Guarantor. To remain eligible, follow the steps and timelines below. All times are Pacific. Ontario policy? Use the [Ontario claims process](https://resources.padder.com/claims/padder-guarantor). **Which BC process?** In BC, Padder Guarantor and Padder Deposit are sold together, but each one has its own claim process and deadlines. **Unpaid rent:** use this page. **Damage, cleaning or pet damage:** use the [Padder Deposit (BC) process](https://resources.padder.com/bc/claims/padder-deposit). **Both:** use both processes, each within its own timelines. ## Process and timelines 1 ### Serve a 10 Day Notice Serve a 10 Day Notice to End Tenancy for Unpaid Rent (Residential Tenancy Act, s.46) within 30 days of the first missed rent payment. 2 ### Notify Padder Submit a Notice of Tenant Default within 45 days of the first missed rent payment. 3 ### Take an Initial Action Within 60 days of the first missed payment, apply to the Residential Tenancy Branch (RTB) for an order of possession (including by direct request) or a monetary order, or negotiate a mutual agreement to end the tenancy (RTB-8). A mutual agreement counts only with the insurer's prior written consent. Defaults where the Initial Action starts later than 60 days are not covered. Keep records of the steps taken and tenant communications. 4 ### Submit your claim Once you have regained vacant possession, re-list the unit within 7 business days and submit your claim within 60 days of the Coverage Event: recovery of possession under an RTB order of possession, under a mutual agreement made with the insurer's prior written consent, or after the tenant abandons the unit. Any security deposit or pet damage deposit you hold is applied to unpaid rent first. **Review and payment** Once your claim is complete, it is reviewed on the insurer's behalf. If approved, payment is issued up to the policy limit. Submit within the timelines above and your policy terms. Late submissions may be denied. ## Forms After a missed payment ### Notice of Tenant Default (BC) Submit within 45 days of the first missed rent payment. **Recommended documents** - Your 10 Day Notice to End Tenancy - Tenant communication log (email thread, call notes, or a consolidated log) **This form opens soon.** Until then, email [claims@padder.com](mailto:claims@padder.com) with the policy ID and the date of the first missed payment. After you regain possession ### Claim form (BC) Submit within 60 days of the Coverage Event. **Required documents** - Up-to-date rent ledger (charges, payments, outstanding balance) - Signed tenancy agreement (RTB-1) - Proof of the Coverage Event: the RTB order of possession, the RTB-8 with the insurer's prior written consent, or your statement and evidence of abandonment - Proof of re-listing (listing screenshot or posting, "available" photo, show sheet, or equivalent) - Your 10 Day Notice and any RTB decisions - The RTB monetary order, if you obtained one - How any security or pet damage deposit was applied, and on what basis (written consent or RTB order) - Other supporting documents **This form opens soon.** Until then, email [claims@padder.com](mailto:claims@padder.com) with the policy ID and the date you regained possession. ## Questions about a claim? Email our claims team. Claims ### [claims@padder.com](mailto:claims@padder.com) Our claims team will respond. For the fastest resolution, include your full name, the building address, the policy ID if you have it, a brief summary, and any screenshots or documents. ![Padder](https://padder.com/wp-content/uploads/2025/02/Large-logo.svg) Padder Underwriting Inc. is a licensed insurance broker headquartered in Toronto, Ontario. It arranges coverage for tenants and landlords in provinces where it is licensed to offer insurance products. Padder partners with licensed Canadian insurers to provide your coverage. For a full description of policy coverage, conditions and exclusions, please read the Policy wording. Need help?Email [claims@padder.com](mailto:claims@padder.com) about any claim. Our team is on email and phone Monday to Friday, 9am to 5pm ET (6am to 2pm PT). 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