[Birdie Dreamer]

I would agree that you need to what you think is right in this case.

There are a couple of things that don't make sense to me though. I having lived in South Florida for 17 years on a golf course, I have had my screen hit numerous times and have hit a few along with some of my playing partners.

It is extremely rare for it to make a hole ( unless the screen was very old ). They usually bounce off and leave a mark on the ball. To go through two screens seems unlikely to me. Second, I interpreted your post that you heard the ball hit. Normally you only hear it if it hits something solid. Hitting screens does not make enough noise to hear from the point of the shot.

No doubt the homeowner had your golf ball, but I question if it did the damage stated.