[Irish Rover]

I live on a golf course in St. Charles, MO. There are outings here at least twice a week and I can't count the times homes are hit by golf balls (rarely a person is hit). If someone comes to the door to make good on a broken window or whatever, it's a miracle. Usually our homeowners policy covers anything over the deductible. Of the cases that have gone to court, almost all have been tossed out. The usual reason given is "you moved into a home on a fairway and should expect balls to occasionally land on or hit your property". Homeowners have even been chastised by the country club for stopping golfers from getting balls that have landed in their yard. Same reason as stated above. We always knock on the homeowners door and report hitting the house - if that happens. I've only had to do it once, years ago. My biggest fear on the course is the grump behind me who decides to hit into our group if he doesn't like the pace of play. He is the kind of person who should be sued.