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What happens if a tenant defaults on rent?

If a tenant covered by Padder Guarantor misses rent, follow these steps:

1. Enforce your lease
Take action under your standard enforcement process. Keep records of all steps and communication with the tenant.

2. Notify Padder
Submit a Notice of Tenant Default within 45 days of the missed rent using the Reimbursement Request Centre.

3. Padder Support
Padder will contact the tenant to attempt resolution and will provide updates to your team.

4. Submit a reimbursement request
Once you’ve regained legal possession:

  • Re-list the unit within 7 days
  • Submit your Final Reimbursement Request within 60 days using the Reimbursement Request Centre
    • Provide the signed lease agreement, rent ledger, legal notices and decisions (e.g., N4, L1, LTB order), proof of re-listing, and other documents to support your claim.

5. Receive reimbursement
Padder will review your submission within 1–3 business days. If approved, payment is issued within 5–10 business days—up to your policy limit.