For Residential Property Operators

Padder Guarantor — Claims Centre

For residential lease defaults covered under Padder Guarantor, including tenants with Guarantor + Deposit.

To remain eligible, follow the steps and timelines below.

Padder Guarantor Icon.

Process & timelines

Enforce your lease

Follow your standard enforcement process. Keep records of steps taken and tenant communications. 

Notify Padder

Submit a Notice of Tenant Default within 45 days of the first missed rent payment. 

Resolution attempt

Padder will contact the tenant to attempt resolution and provide updates as available.

Submit final reimbursement request

Once you’ve regained vacant possession: re-list the unit within 7 days and submit your Final Reimbursement Request within 60 days.

Review & payment

Review takes 1–3 business days. If approved, payment is issued within 5–10 business days, up to the policy limit.

View Help Centre Article

Deadlines matter

Submit within the timelines shown in the selected flow and your policy terms. Late submissions may be denied.

Notice of Tenant Default

Submit within 45 days of the tenant’s default.

Recommended docs:

  • Tenant communication log (email thread, call notes, or consolidated log)
Notify Padder

Final Reimbursement Request

Submit within 60 days of regaining vacant possession.

Required docs:

  • Up-to-date rent ledger (charges, payments, outstanding balance)
  • Legal notices/decisions (if applicable) (e.g., N4, L1, LTB orders)
  • Proof of re-listing (listing screenshot/posting, “available” photo, show sheet, or equivalent)
  • Other supporting documents
Begin Request

Questions? Email the right team.

For general help, contact support@padder.com.

For policy- or warranty-specific questions, contact underwriting@padder.com.

Policy- or warranty-specific inquiries require a licensed agent—our Support team can’t provide policy or warranty guidance.
A licensed insurance agent will be assigned to respond.

Contact SupportSearch the Help Centre

For the fastest resolution, please include: full name, building address, policy / warranty ID (if available), a brief summary, and screenshots/documents (if applicable).

Move-in costs:
with vs. without Padder

Examples below are illustrative only. 
(example: $2,500/month rent)

Without Padder

$5,000.00/Upfront
  • First month: $2,500
  • Last month deposit: $2,500
  • Personal guarantor needed? Often
  • Non-traditional profiles declined? Frequently

With Padder Deposit

$2,750–$2,875/Upfront
  • First month: $2,500
  • Last month deposit: $0
  • One-time Deposit premium: $250–$375 (instead of LMR)
  • Savings kept liquid? Yes

With Padder Guarantor

$5,750–$8,250/Upfront
  • First month: $2,500
  • Last month deposit: $2,500
  • One-time Guarantor premium: $750–$3,250
  • Non-traditional income accepted? Yes

With Guarantor + Deposit

(where available)

$3,500–$6,125/Upfront
  • First month: $2,500
  • Last month deposit $0
  • Deposit premium: $250–$375
  • Guarantor premium: $750–$3,250