How do I submit a reimbursement request?

Step 1: Enforce the Lease

Follow your standard lease enforcement process.

Important: Padder requires proof that you followed all necessary enforcement steps before processing any reimbursement.

Step 2: Notify Padder of the Default

Within 45 days of the first missed payment, submit a Notice of Tenant Default through the Reimbursement Request Centre in your Padder Portal.

You’ll need to include:

• Tenant & unit details
• Your Padder Guarantor Policy ID
• Steps taken so far (e.g., notice served, application filed)
• A copy of the signed lease
• Optional: a log of communication with the tenant

A dedicated Padder Representative will be assigned to your case within 1 business day.

Step 3: Padder Attempts to Resolve

Your Padder Representative will reach out to the tenant directly to attempt a resolution.

Note: Padder will never make an arrangement with the tenant without your approval.

✅ If resolved, no reimbursement claim is needed.

❌ If unresolved, you continue lease enforcement to regain possession.

Step 4: Regain Possession & Re-List the Unit

After enforcement is complete:

• Regain legal possession (through eviction, mutual termination, or confirmed abandonment)
• Re-list the unit for rent within 7 business days

You’ll need to provide proof of re-listing (e.g., screenshot or broker confirmation) when submitting your claim.

Step 5: Submit Your Reimbursement Request

Within 60 days of regaining possession:

• Contact your Padder Representative or email claims@padder.com with your Policy ID
• You’ll receive the Claim Submission Form

Required documents:

• Rent ledger (itemized arrears)
• Lease agreement
• Legal notices & decisions
• Proof of re-listing
• Statement showing how the last month’s rent deposit was applied (if collected)

Padder will review for completeness within 2 business days.

Step 6: Claim Review & Payment

Once everything is received:

• Claim decision within 3 business days
• Payment issued within 5–10 business days of approval