Padder Guarantor
Ontario Claims Centre
For residential lease defaults in Ontario covered under Padder Guarantor, including tenants who also have Padder Deposit. To remain eligible, follow the steps and timelines below. BC policy? Use the BC claims process.
Process and timelines
Enforce your lease
Follow your standard enforcement process. Start an eviction or rent action (for example, file an L1 with the Landlord and Tenant Board) or begin settlement negotiations. An N4 on its own doesn't count. Do this no later than 60 days after the first missed payment. Defaults where this starts later than 60 days are not covered. Keep records of the steps taken and tenant communications.
Notify Padder
Submit a Notice of Tenant Default within 45 days of the first missed rent payment.
Keep us updated
Send us new notices, LTB papers and tenant updates as they happen. We'll be in touch if we need anything else.
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 after an eviction (LTB order or settlement) or after an early-termination agreement made with the insurer's written consent, or the tenant abandoning the unit. If you re-list late, rent for the period after the Coverage Event isn't covered, but unpaid rent up to and including that date still is.
Once your claim is complete, it's 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
Notice of Tenant Default
Submit within 45 days of the first missed rent payment.
Recommended documents
- Tenant communication log (email thread, call notes, or a consolidated log)
Claim form
Submit within 60 days of the Coverage Event.
Required documents
- Up-to-date rent ledger (charges, payments, outstanding balance)
- Signed lease
- Proof of the Coverage Event: the LTB order or settlement, the signed early-termination agreement with the insurer's written consent, or your statement and evidence of abandonment
- Proof of re-listing (listing screenshot or posting, "available" photo, show sheet, or equivalent)
- Legal notices and decisions, if applicable (for example N4, L1, LTB orders)
- Money judgment, if you obtained one
- How the last month's rent deposit was applied, if you held one
- Other supporting documents
Questions? Email the right team.
Support handles the process. Licensed agents handle anything about coverage.
underwriting@padder.com
What is covered, your policy or warranty terms, and claim decisions. These need a licensed agent; Support cannot give policy or warranty guidance. A licensed insurance agent will respond.
For the fastest resolution, include your full name, the building address, the policy or warranty ID if you have it, a brief summary, and any screenshots or documents.