Quote:
Originally Posted by red tail
well I always wondered if the insurance would cover a golf ball through my window. I live on hacienda golf course and last week a guy hit a ball that went through my window and into another room breaking the window and destroyed the blind. my wife caught the guy as he was driving away and asked him if he was going to make it right. he said no but she could contact his insurance agent at state farm. she did and today they called and said absolutely no! I chose to live on a golf course so I assume the responsibility. so now I know!!!
im a golfer so I sorta agree with it but I still don't like it.  |
Hi Red Tail :
Sorry for your dilemma.
The liability issue can be argued until the cows come home. However many Golf Clubs establish rules where homes are built to eliminate such arguments. Perhaps The Villages developed some applications?
You may also want to contact State Farm and ask if they have coverage for property damage irrespective of liability. Many homeowner policies have what is referred to as Property Damage To Others. Its designed to keep neighbors from disputing. suppose your neighbor is mowing his lawn and hits a rock and the rock breaks your window. Rather than dispute liability they apply a good will approach. The limits on this coverage are $500 per occurrence. I can't believe accompany as large as State Farm does not have this coverage.
And people wonder why some homeowners on a course refuse to let golfers retrieve their ball