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Old 10-19-2023, 10:08 AM
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Another resource for fun............Florida's Independent Insurance Agents......who have thru this thousands of times:

Could I Be Held Responsible for the Golf Ball Smashing My Window?
Insurance expert Paul Martin said that you could very well be held responsible if you lived on a golf course. Since you assume this extra risk when purchasing a property on a golf course, the insurance company is likely to exclude coverage for any stray golf balls. So, if you buy a house on or near the putting green, just be prepared to cover any related damage yourself.
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