I know that we've had this discussion before but I can't remember the legal positioning. I know that fans who go to a ball game are at 'their own risk' if they get hit with a foul ball. Same goes for spectators on a golf course.
I would think the law would follow here as well.
But as someone mentioned - if a car goes off the road and strikes your house then your insurance company will go after the driver (and/or their insurance company).
Not sure.
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