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  1. 1. Who should legally pay for a broken window?

    • The home owner should since they knew what they were doing!
      45
    • The poor golfer who's only decent shot when through the window.
      37
    • The golf course
      10


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Posted
Hurley, I think what we are all saying is people know risks when they do things. If I make sweet love to a sweet crack ***** from the bronx and don't wear a condom, I should not be surprised when it burns a litte bit.

If I were to buy a house next to a golf course or in a flood zone or next to a baseball park or under a volcano, I would make sure to understand the risks before.

Your car example is flawed because you say your just going to drive around and hit people. As golfer's we dont try to hit the house or the window. But yes we all have the risk of getting damage or causing damage to cars when we drive... That is why we all need to have car insurance. In Fla it is required.

As far as hitting a kid, if you know your backyard is about 5 feet next to the fairway, would you let your kid run around outside?

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Posted
Several courses I have played at have a sign designating that the golfer is responsible for the actions caused by their shot but I think that is more to get the course from having to pay or be part of any suit derived from any broken windows, etc. Typically one's homeowner insurance would pay for the window minus any deductible but I'm sure those homeowners living next to golf courses pay a higher rate (or have a higher deductible) due to living next to a golf course.

Some reading from the legal and insurance side:

Here

Here

Not really about broken windows but amusing nonetheless.

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Posted
The links provide some good reads... it is a very very grey area in the law. I can see all sides and points of view. I also read that living next to a golf course does not increase your insurance rates. I also read a quote from an All State Agent saying, "We (the insurance company) believes the golfer should pay. If he doesn't then we will pay." This tells me that the insurance companies will pay but like all companies just dont really want to!

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Posted
I actually know the answer to this one, its the golfer who is liable for any and all damage he causes during a round. I know this from working at a golf course. Yes, the home was built on a golf course that doesn't mean they are taking on the expectation that someone will smash their window with a ball anymore than someone whose car gets hit should expect that to happen because they drove by a golf course.

This is correct, there have been exceptions, based on the argument that the developer failed to properly plan for this by placement of homes to close to the course or at a dogleg where the second shot would normally try to cut the corner, usually the homeowner is the one suing the developer not the golfer in this case. Many times the golfers homeowners policies does cover this. I nailed a car years ago and mine paid.

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Posted
are some of you kidding? Bad golfer launches a ball through a house and you think the homeowner should pay because he lives there!?!?!? What if his kid is playing there and you launch a banana slice into their yard and hurt their child? Tough luck kid...it's your dad's fault for living here. I can't believe what I've seen here...unless it is stated otherwise, if you hit a shot that damages something, it is your responsibility to inform the owner or at a minimum the course, and pay for damages.

Be reasonable. No one has said that a golfer should go out, aiming to cut corners, closing their eyes and launching tee shots wherever they feel like it.

To use your analogy, though, yes, we all maintain insurance on ours cars because there is a risk that WE are taking by putting them on the road. For "true" accidents, our insurance pays. When someone ELSE is reckless, they pay. Same for a golfer. If you make a completely reasonable and modest mistake that ANY golfer may make, house windows can be casualties. Do something stupidly risky and negligent, you pay up.

Nothing in the swing is done at the expense of balance.


Posted
so, if I'm driving along and I cause an accident because of some unforeseen circumstance, I shouldn't have to pay?

Also, what about someone walking by a golf course, or driving by one? If they get hit, is it their fault for taking the risk to bear near a golf course?

I'm sorry, if you hit a shot and it damages someone else's property, you should pay up. Don't ask to have an insurance company or someone else bail you out.

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Posted
People insure property incase things happen. Business requires liability insurance, Cars have to have car insurance. McDonalds was lible for making coffee too hot. Foul balls are going to happen in baseball, and bad shots are going to be in golf. If you can avoid risk, one should. People want to live on a golf course, they have to accept the risk. I live in Florida in a hurricane zone. I will have to pay the higher home insurance because I choose to live in a Hurricane zone. The tradeoff, I enjoy year round golf.

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Posted
Your car example is flawed because you say your just going to drive around and hit people. As golfer's we dont try to hit the house or the window. But yes we all have the risk of getting damage or causing damage to cars when we drive... That is why we all need to have car insurance. In Fla it is required.

Actually this example is flawed. Haven't you heard our new slogan, "Welcome to South Florida, home of the unisured motorist". Better bone up on that coverage while you are at it. While auto insurance is required, there is nothing to prevent you from driving without it unless you are law abiding good folks like us on the forums.

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Posted
This is true... I should know because I use the same arguement about Gun Control with my parents and how if we ban guns, only the bad guys will have them.

Tu Che!!!

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SW: Callaway X-Wedge 56
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Posted
This is true... I should know because I use the same arguement about Gun Control with my parents and how if we ban guns, only the bad guys will have them.

Yep...

You are getting a lot of mileage out of this thread.

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Posted
so, if I'm driving along and I cause an accident because of some unforeseen circumstance, I shouldn't have to pay?

If you throw yourself in front of a moving car is it the motorists fault if he hits you?

"Cause" is the key word. Mr. Three Putt makes a good point that it sometimes is going to depend on the circumstances. Maybe it's because of the ridiculous home values in this area, but it seems many developers are putting the houses WAY to close to the course to reasonably expect them not to get hit quite a bit. I know if it's my property I expect people to take reasonable care not to damage it, but at the same time, I have a reasonable responsibility to keep it out of harm's way. That's the way I look at it anyway.

Posted
I can see both sides...live on the side of a fairway, you should expect to be hit. However, on the other hand, if you are playing a course where there are houses on the side of the fairway, you should take serious note and play accordingly. Sort of like skiing down the bunny slope versus the diamond run...you just know the course with houses will present additional risk and you are responsible.

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Posted
Been on both sides of the ball....or er...window.

I guess I will reply to my own rant......

Here goes... If it is on a par 4 or 5 with houses definetly in play on the second shot ...I say tough luck to the homeowners, even though I would leave a note and pay (that's why i don't like playing house lined courses) but... if it is a par 3 that takes a terrible shot from the blue or champ tees..pay up man (or woman)!!!!

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Posted
I used to live on a golf course and someone hit the ball through our window and we had to pay for it!!!!!
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Posted
Years ago I was playing a course in FL and I hooked one into someone's backyard and through their screened patio. Not only were they home, they were on the patio... The guy comes storming out onto the course and confronts us up near the green and starts yelling "Every time one of you hit one through my screen, it costs me $200 to get it fixed. Do you think that's fair?" I told him " No, I think you are getting ripped off. Screen isn't nearly that expensive." and walked away.

in my grom stand bag:

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3w: HiBore 15* fujikura stiff
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Posted
Years ago I was playing a course in FL and I hooked one into someone's backyard and through their screened patio. Not only were they home, they were on the patio... The guy comes storming out onto the course and confronts us up near the green and starts yelling "Every time one of you hit one through my screen, it costs me $200 to get it fixed. Do you think that's fair?" I told him " No, I think you are getting ripped off. Screen isn't nearly that expensive." and walked away.

All they can do is bark. My bud snap hooked one into the siding of a home on a golf course. The guy just looked up and looked back down. Now thats how you handle that. If he decided to come out I would of said the samething. As far as those signs saying the golfer is responsible that's just the trying to freak you out. It's the same as if a landlord has you sign a contract saying if there is owner neglect you can't sue him. It's a joke and won't hold up in court. Infact by the time they sue you it would of cost them more money than to replace it themselves.

Posted
what would happen if you hit a ball into the club house or pro shop at my course the clubhouse is right on the 18th like 1m past the rough

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    • (Article appeared in the March 15, 2026 edition of the St. Louis Post-Dispatch, p. 1) Dense fog covers the closed driving range at Ruth Park Golf Course in University City on Feb. 19, 2026. After University City attempted to use leftover dirt from Market at Olive building project to improve the driving range, complications arose and closed the range. ‘Free dirt’ proves costly for Ruth Park driving range By Nassim Benchaabane | Post-Dispatch // Photos by Liz Rymarev UNIVERSITY CITY — The dirt was supposed to be a gift. Developers hoping to bring a Target store to Olive Boulevard needed a place to dump thousands of truckloads of excavated dirt. University City offered to take the dirt at its popular golf course's driving range, in hopes it would fix long-standing erosion and stormwater runoff problems. The project was supposed to take three months.  The driving range at Ruth Park is still closed today. It's in worse condition than before. And it's on track to cost University City nearly $900,000 in lost revenue and future repairs. “The ‘free dirt’ and golf course improvements turned out to be not so free,” Darin Girdler, the city's parks director at the time, wrote in an internal memo in August. Records show the project was launched without a contract between the developer and the city, with no written plan for finishing the range after the dirt was dumped and graded, and without clear terms spelling out consequences if the job wasn't done correctly. Instead, city emails show, as the dirt sat there for months, and the erosion and runoff issues got worse, neither developers nor city officials took charge and solved the problems. University City did not make anyone available for an interview to explain how things went wrong. Former city manager Gregory Rose, Target developer Larry Chapman and excavation company Kolb Grading did not respond to requests for comment. Golfers and residents, meanwhile, have grown frustrated. One recent day, Jim Chambers, 69, of Shrewsbury, wondered whether the city should have taken the dirt at all. Chambers said he has golfed at Ruth Park for 32 years and almost always saw the driving range packed with golfers.  The range would get muddy when it rained, and the cracks in the ground left behind would make it hard to retrieve the balls, Chambers said. But the range was still "nice," he said. "It was fine without the dirt," he said. "It’s all erosion now."  A promise to fix the range The nine-hole University City Golf Course, as it was known then, opened in 1931. It was designed by Robert Foulis, who built some of the St. Louis region's most popular golf courses. It was well-liked by both casual and experienced golfers for its small size, ease and beauty.  The driving range, which had space for 25 golfers to hit balls simultaneously, was added in 2008, in an attempt to generate more revenue at the course, which had been operating at a deficit for years. It worked. 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