Saying that a homeowner who chooses to live on a golf course should accept the risk is one way of looking at it. Of course, another way of looking at it is, if you are a golfer who chooses to play on a course with houses around its perimeter, then you should accept the risks of your faulty behavior. If you don't want to have to pay for damages that you cause, just play golf on courses that don't have houses close by. If that means outside the Villages, so be it.

If you accept the inherent risk of being next to a golf course also accept the fact that a golf ball may occasionally visit your property

Yes, that's true. But it doesn't necessarily follow that you also accept the need to pay for someone's faulty shot.

If your logic was applied to life in general then if you are driving out on the road and someone hits you, then you should be prepared to pay for the damages to your car. Afterall, when we drive a car, we know that we are putting ourselves at risk of being hit (just like a homeowner on a golf course). However, we shouldn't also be held financially liable for the other person's actions - whether it is a bad golf shot or a car accident.

responsibility
 

I think I just read about uninsured motorist coverage. or was that my imagination.

I think I like my options:

1] Don't live anywhere near a golf course

2] Don't go chasing the little white ball

:pepper2:

SWR
:beer3:

Maybe would should request No Fault Golf Ball Insurance or Errant Golf Ball insurance or lets sue the manufacturers that advertise " Longer and straighter " or " More Distance, Greater accuracy " Eliminates slices and hooks " and how about the Golf Pros, what the heck, we could sue them too. They are taking our money so we can hit the ball straight. How about taking responsibility for the choices we make." Oh My, I just love this lot, right on the Golf course, just look at that view and only $50,000 extra. I have to have it so I can watch all the golfers go by while I sip my Martini and text my friends about the simply gorgeous view that I am enjoying". Oh my, a ball just broke my window. I'm going to get that guy and make him pay, or else. Who does he think he is hitting my house. I think he did it on purpose, because he is jealous of my million dollar view. You know what folks ? Life is too short, fix the :censored: window, enjoy the view and get on with your wonderful life in The Villages. No Big Deal !!!!!!!

:thumbup: :highfive:

If I lived on a golf course, I'd probably consider that an errant ball might come through a window, and that the golfer who hit it might fess up and offer to pay-- or not.

If I were the golfer in the situation, I'd offer to pay. If I were the homeowner, I'd feel lucky if the golfer offered to pay.

Basically, I would take responsibility for the risks I assumed and would take responsibility for an accident I caused. I realize not everyone would. But is it really more complicated than this? Stuff happens.

Most people carry uninsured motorist insurance and collison to cover accidents. Using your car logic owners of houses on Golf courses should carry extra insurance for damages from golf balls.

So, if you were driving your pretty classic car down the road and someone hit you and just waved and said, "Sorry, I didn't mean to do that, but I assume you knew the risk of driving". You would just wave back and say, "Hey, no problem dude, I have insurance for that and don't worry about the deductible either since I assumed the risk of coming on the road so this one's on me."

errant golf balls
 

most people can control the direction they drive their vehicles. Not even the Pros. can control the direction they drive their golf balls all the time. if you live on a golf course get a bird cage or protective coverings of some kind on your windows.

As a person new to golf, this discussion has been quite a revelation to me. When I was younger, a golfer friend of mine was extolling on the greatness of the game. One of his points was that it was the game of gentlemen, where golfers regularly called penalties on themselves. Now, I'm a bit surprised to see the number of golfers who seem to think it's perfectly OK to break someone's window and not pay for the damages under the theory that it's the homeowner's responsibility because he had the audacity to buy a home there.

In this string, no one has said whether damage from a golf ball is covered in the homeowner's insurance or not. I am pretty sure the guilty golfer cannot claim it on his insurance policy. Can someone enlighten me.

Well, I know it's not an act of God. I'm pretty sure She hits 'em long and straight.
:plane:

with classic car insurance there is no deductible..........

Building a house on a golf course is more akin to building a house on the infield on Indianapolis speedway than a city street.

An errant golf ball is just another name for an accident by a golfer that certainly had no intention of striking a home. A home on a golf course is an accident waiting to happen. Case law has shown time and time again that the accident caused by the errant ball is unfortunate for the home owner but, the golfer can not be held responsible. Now of course we will never get all to agree with the decision made by the judges but, the precedent has been set many times. On the other hand, if those of you that feel uncomfortable with the decision, then by all means pay for the damage. It seems to me that it has nothing to do with honor or comparisons to auto accidents or any other events that have nothing to do with golf. The courts have simply given us choices.