How to make a claim: process, deadlines and documents

If the tenant(s) in default hold Padder Guarantor (with or without Padder Deposit), follow the Padder Guarantor process and timelines, including submitting a Notice of Tenant Default within 45 days of the first missed rent payment.
If the tenant(s) in default hold only Padder Deposit, follow the Padder Deposit process and timelines. A Notice of Tenant Default is not required.

Enforce your lease (Operator action). Follow your standard enforcement process and keep a record of the steps taken and tenant communications. Begin your Initial Action (starting an eviction or rent action, or beginning settlement negotiations) no later than 60 days after the default. A default that occurred more than 60 days before your Initial Action is not covered.
Notify Padder (time sensitive). Submit a Notice of Tenant Default within 45 days of the first missed rent payment.
Re-list the unit. Once you have regained vacant possession, re-list the unit within 7 business days. Missing this deadline forfeits coverage for rent attributable to the period after the Coverage Event (the vacancy portion); it does not affect unpaid rent accrued up to the Coverage Event.
Submit your claim. Submit your claim within 60 days of the Coverage Event.
Review and payment. Once your claim is complete, it's reviewed on the insurer's behalf. If approved, payment is issued up to the policy limit.

Requested documentation for the Notice of Tenant Default

Tenant communication log (recommended): email thread, call notes or a consolidated log

Documentation for the claim (as may be reasonably requested)

Signed lease agreement
Up-to-date rent ledger (charges, payments, outstanding balance)
Legal notices and decisions, if applicable (for example N4, L1, LTB orders)
Proof of re-listing (listing screenshot or posting, "available" photo, show sheet or equivalent)
Other supporting documents

Time sensitive: deadlines apply. Submitting late may affect coverage for that event.

Important: for tenants with only a Padder Deposit policy, no Notice of Tenant Default and no re-listing step are required.

Enforce your lease (Operator action). Follow your standard enforcement process and keep records of the steps taken and tenant communications.
Submit your Last Month's Rent Claim Form (time sensitive). Submit it within 60 days of the Coverage Event related to the tenant's breach.
Review and payment. Once your claim is complete, it's reviewed on the insurer's behalf. If approved, payment is issued up to the policy limit.

Documentation (as may be reasonably requested)

Time sensitive: deadlines apply. Submitting late may affect coverage for that event.

Claim questions and support: claims@padder.com. Policy and coverage questions: underwriting@padder.com. Portal or account: support@padder.com. Phone: +1 (289) 536-7111, Monday to Friday, 9:00 AM to 5:00 PM ET. Claims Centre: resources.padder.com/claims.

Padder Guarantor: notify within 45 days, begin enforcement within 60, re-list within 7 business days, claim within 60. Padder Deposit: one form within 60 days.