The issue of liability usually is in flux depending on case law in each state. Often Championship golf Courses issue rules addressing responsibility for damages.
Clearly many golfers feel a right to enter onto private property to retrieve their errant balls and yet feel no moral obligation when we damage property.
It is unfair to use that straw man excuse that homeowners that choose to buy on a golf course get what they deserve.
Certainly golf course homeowners understand that an errant ball I a possibility but in that same vein expect golfers will own up to their responsibility. I mean if you hit someone's house its not like the house moved in front of the ball.
Homeowner policies ave a goodwill provision called "Property Damage To Others" which usually pays up to $500 irrespective of liability .
I believe the homeowner will find that the insurance company is well versed in what comany (s) are the most competitive and it is likely that T&D is one of those companies.
One poster complained about insurance problems stemming from reported claims. It is likely that given the soft Homeowner market in florida probably created some of that.
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