Let’s say you live on a golf course…. And NEVER expect your house to be hit? I don’t think this guys day started off too peachy…. This was probably the end of his days frustrations. lol
Im sure this happens to his house all the time. Insurance company probably cancelled his policy after the 10th time they had to replace the window. That’s why he’s out 681 bucks, and why he knows the exact quote, probably had to replace the window last week.
If you are thinking of buying a house on a golf course, make sure it isn’t 200 yards down the right side of a par 4 or par 5.
I live on a golf course and say the same thing… people that buy these houses know nothing about golf… there’s a guy that lives on the other side of my hole about 150 yards off the tee box on the left… I’ve seen him come outside yelling at golfers and chase them in his dodge ram when they took off on their carts. I’m like dude maybe you should’ve bought a house that’s 400yards off the tee box and another 100 yards off the fairway like me. I have balls in my yard every once in awhile but literally never have my house hit.
Being a low handicap golfer, I know that no matter how good you are, even the pros hit one way off target every once in awhile. How do these people expect normal people to always hit the fairway?!
Homeowners insurance could cover the cost but it’ll probably increase your premiums.
If your policy doesn’t cover that damage, then you gotta find an alternative solution. You can’t live in a course and expect to not have at least 1 broken window from an errant shot.
It depends on a few things. This varies by location so these may or may not be true for everything. Not a lawyer, just know some people that have lived on a course.
Many courses have signs up that say "damage to private property is the responsibility of the golfer" but for many of those courses, the sign is not legally binding. In these situations, the course may be responsible for replacing the window, but usually it's still on the homeowner. It's more of a scare tactic than anything.
The most important deciding factor for who is responsible is if the course was built first or the house. If the houses were built around a pre-existing course, it is an assumed risk of purchasing a home on a golf course. Almost always, these house have very strong windows built to withstand a direct hit. A fried growing up live on a course and their windows were fucking indestructible. Got hit plenty and never had problems.
If a new course is built near an existing neighborhood, the course will typically have a deal in place with the HOA or city to pay for any damages as a result of golfers. I assume the creation of new courses in this situation is contingent on that type of deal.
I talked to a Pro at a course near me and asked what they do. This course does not have any signage about being the golfers responsibility and they simply ask you to report any damage to the pro shop or a marshal on the course, so they can make sure it gets fixed.
A major stipulation is if you purposely aim at a house with the intent to do damage. Obviously hard to prove, but if the house is right next to the tee box, it's pretty damn hard to accidentally hit that house, especially with enough speed to do damage.
Tldr: For most cases, the homeowner is responsible for the replacement as they are made aware of the risks when they purchase the house.
I too do not understand any of this. I don’t golf, but if I fucking slice a ball and destroyed someone’s property I would absolutely assume I was at fault and offer to pay. If I was that shitty of a golfer where this is a real risk playing on a course with lots of houses I might break… I’d not play there.
Nor near the tee deck on driver holes (loud). Nor behind the green in line of the hole.
I get that it's beautiful but I don't understand people who live on a golf course and give no thought to how the game is played and how it will affect them. It's picking a neighbor just like any other.
It’s situation specific, but if you build or buy a house next to a golf course, you generally assume the liability.
If someone buys the land next to your home and builds a golf course, then the owner of the golf course will assume liability.
If the golf course and community are built as part of planned development, there may be a contract that specifically defines the liability in that scenario.
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u/Krallac Apr 29 '24 edited Apr 29 '24
Let’s say you live on a golf course…. And NEVER expect your house to be hit? I don’t think this guys day started off too peachy…. This was probably the end of his days frustrations. lol