I once researched this issue and like so many other the legal opinions cases etc were all over the board. In some golfing communities the developers set policy to settle difference. However since a golfer and probably the homeowner were never signatories to the policy adherence is unlikely.
a gifted attorney can argue this issue on either side and many probably do.
The negligence of a golfer can only be determined in a court of law. Getting the case to court is the first hurdle. The reason this is such an area of unsettled law is that more often than not the damages are minimal.
However some day some where a very wealthy individual is going to be struck down with a golf ball and either be killed or receiving permanent disabling injuries and when that happens watch how quickly that golfer's inabilities, lack of proper training are questioned and the design of the golf course so as not to protect an individual.
Homes in TV are much closer to fairways than most golf course communities and that lack of safe separation will come into play
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