To be honest, I don't think there's any doubt about the right thing to do -- go and see the householder. You've broken the window, it's the least you can do.
The issue of who should pay is slightly different. Personally, I'd just claim on my golf insurance, which includes £2m accidental cover precisely to meet these sorts of circumstances (as well as paying to replace any Garmin G3 GPS watches eaten by labrador puppies -- yes, I'm looking at you, Toby...).
After all, the UK is acknowledged to be a less litigious country than the US, but even here, golfers have been found liable for bad shots, even when they've shouted fore. In one case, Mr Gordon hit a bad shot which caused another golfer to lose an eye -- it cost him (his insurance company) £400,000. The judgement was:
"Lord Brailsford found that primary liability for the incident rested with Mr Gordon, saying he had been over-confident in his ability to hit a good shot that day.
He stated: 'When Mr Gordon arrived at the 18th tee on the day in question, he made the error of over-estimating the likelihood of his tee shot following its desired or intended path to its intended target and, simultaneously, under-estimating the degree of risk to which his shot would place the pursuer and his three companions then proceeding on the path between the 6th green and the 7th tee.
'These risks should have been within the contemplation of Mr Gordon because he should have appreciated that every golfer, no matter his or competence, will make bad shots'.
'On the basis of his own evidence, I consider that these errors were caused by an inflated degree of confidence occasioned by what Mr Gordon considered, wrongly in my view, to be the very good round of golf he was having'.
He added: 'As a result of this overconfidence Mr Gordon made his tee shot at a time when the exercise of reasonable care should have informed him that there was a foreseeable risk that his shot might be bad and, further, might encroach on the area being traversed by the pursuer.
'I consider that these risks should have been within the contemplation of Mr Gordon because he should have appreciated that every golfer, no matter his or her degree of competence, will make bad shots'.
The liability was split 70:30 between the club and Mr Gordon.
I think if you play golf, then you're running a big risk if you don't have specialist insurance. Mine costs about £100 a year and I don't think that's too unreasonable, given how much I spend on golf every month anyway.