[George Bieniaszek]

The way I understand it;
if you buy a golf front home and incur damage from an errant golf ball, you assume responsibility to fix the damage. Saw a similar story on "Judge Judy" where the home owner was suing for damage caused by an errant golf ball. She said that as a home owner, he assumed liability when purchasing the home and sided with the golfer.

Legally, home owner's dime.
Morally or ethically, I would approach the home owner and offer to pay the deductible.