--- title: Declined or expired? How to reapply description: If your Padder application was declined or your approval expired, here is when you can reapply and what to do differently. image: https://help.padder.com/hubfs/Partner_Brand_Centre/Padder_Link_Preview_1200x630.png --- [Skip to content](https://help.padder.com/reapplying-after-decline-or-expiry#main-content) [![Padder Logo](https://help.padder.com/hs-fs/hubfs/Padder%20Logo.png?width=250&height=72&name=Padder%20Logo.png)](https://help.padder.com) - [Help Centre](https://help.padder.com/) - [Claims Centre](https://resources.padder.com/claims) - [Contact support](https://resources.padder.com/support) Open main navigation Close main navigation - [Help Centre](https://help.padder.com/) - [Claims Centre](https://resources.padder.com/claims) - [Contact support](https://resources.padder.com/support) Search the Help Centre - There are no suggestions because the search field is empty. 1. [Padder Help Centre](https://help.padder.com/) 2. [Residential Tenant](https://help.padder.com/residential-tenant) 3. [Managing Your Policy: Changes, Transfers & Reapplying](https://help.padder.com/residential-tenant#managing-your-policy-changes-transfers-reapplying) October 9, 2026 # Declined or expired? How to reapply ## Here’s how reapplying works and what you can expect. ### Cooling-off rules: when you can reapply #### If your application was declined: - **Same location and same co-tenants:** you may submit a new application for the same property and same set of co-tenants once 30 days have passed from the decision date. - **New location or different co-tenants:** you may submit a new application immediately if you're applying for a different property that offers Padder, or with a different set of co-tenants. Padder is only available at properties that offer it through their leasing office. #### If your previous Padder policy has expired (tenancy ended): - You don't "renew" an old policy. - For a new lease, your new landlord may request Padder again, and you'd submit a fresh application tied to that specific lease and property. ### Reapplying after a decline Padder doesn't share the specific reasons for an individual decline, and we can't tell you what to change to obtain a different outcome — decisions are made by our risk models using objective criteria applied consistently to all applicants. If your circumstances or your application details have changed since you last applied, you're welcome to submit a new application (subject to the timing rules above). Each application is assessed on its own under the same consistent process. ### Can I request an exception or manual override from the Padder team? Padder can't manually override an approval decision once it's been made by our risk models. #### Why we can't "just make an exception" Each approval decision is made using proprietary risk models that combine: - The details you provide in your application, and - Hundreds of other data points used to assess risk in a consistent way. Those models: - Apply the same rules to every applicant, and - Are designed so that no one at Padder can simply overturn a decline to an approval based on a personal judgment or special request. Because of this: - We cannot offer case-by-case "exceptions," - We cannot do manual overrides, and - Our customer support team does not have the ability to change or overturn an underwriting decision. This protects everyone — renters, landlords, and Padder — from unfair or inconsistent decision-making. ### When to contact support (and what they can / can't do) #### You can contact Padder support if you: - Aren't sure whether you're allowed to reapply yet based on timing or location - Need help understanding the application steps - Believe there may be an error in your application data (wrong building, wrong rent, wrong co-tenant list, etc.) #### Support cannot: - Tell you the specific reason your application was declined - Manually overturn a decline - Guarantee that a new application will be approved - [Residential Tenant](https://help.padder.com/residential-tenant#main-content) - [Start Here: About Padder & Your Options](https://help.padder.com/residential-tenant#start-here-about-padder-your-options) - [Padder Credit Builder](https://help.padder.com/residential-tenant#padder-credit-builder) - [Eligibility: Who Padder Is For](https://help.padder.com/residential-tenant#eligibility-who-padder-is-for) - [Coverage & Limits: What’s Protected](https://help.padder.com/residential-tenant#coverage-limits-whats-protected) - [Pricing, Payment & Refunds](https://help.padder.com/residential-tenant#pricing-payment-refunds) - [Applying to Padder: How the Process Works](https://help.padder.com/residential-tenant#applying-to-padder-how-the-process-works) - [Troubleshooting Your Application](https://help.padder.com/residential-tenant#troubleshooting-your-application) - [Your Responsibilities & the Indemnity Agreement](https://help.padder.com/residential-tenant#your-responsibilities-the-indemnity-agreement) - [Managing Your Policy: Changes, Transfers & Reapplying](https://help.padder.com/residential-tenant#managing-your-policy-changes-transfers-reapplying) - [Trust, Safety & Support](https://help.padder.com/residential-tenant#trust-safety-support) - [Frequently Asked Questions](https://help.padder.com/residential-tenant#frequently-asked-questions) - [Residential Operator](https://help.padder.com/residential-operator#main-content) - [Getting Started & Referrals](https://help.padder.com/residential-operator#getting-started-referrals) - [Coverage & Claims](https://help.padder.com/residential-operator#coverage-claims) - [Frequently Asked Questions](https://help.padder.com/residential-operator#frequently-asked-questions) - [Terms of use](https://padder.com/terms-of-use/) - [Privacy Policy](https://padder.com/privacy-policy/) - [Privacy Statement](https://resources.padder.com/privacy-statement) - [Disclosure Statement](https://resources.padder.com/disclosure-statement) - [Regulatory Disclosures](https://resources.padder.com/regulatory-disclosures) - [CISRO Conduct Sheet](https://www.cisro-ocra.com/Documents/View/2471) - [Broker Fact Sheet](https://www.ribo.com/wp-content/uploads/2025/01/RIBO_Conduct_Sheet_040622-fact_sheet-1.pdf) - [Contact us](https://resources.padder.com/support) [![Padder Logo](https://help.padder.com/hs-fs/hubfs/Padder%20Logo.png?width=180&height=52&name=Padder%20Logo.png "Padder Logo")](https://www.padder.com) 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. Need help? Paddie, our AI chat, is here any time. Our team is on email and phone Monday to Friday, 9am to 5pm ET. © 2026 Padder Underwriting Inc. All rights reserved.