Golf Ball Damage Insurance

It is not uncommon for a car to get hit by a ball at a sporting event or during the neighborhood pickup game. In some cases it can be a combination of the two. Two weeks ago a particularly bad golfer sent a golf ball right through my window causing considerable damage.

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438 149 a 2d 599 1959 reader response.

Golf ball damage insurance. While every policy is different these eleven things covered by homeowners insurance might surprise you. Most golf course homes built in arizona and florida over the past 10 years are constructed with stucco and are particularly susceptible to damage from golf balls. That s fine if the golfer owns up to hitting a ball through your picture window but often the culprit will just move on down the fairway whistling. Unfortunately for golf course community homeowners damaging golf ball sized objects landing on the roof aren t occasional events.

No liability owner or owner s insurance pays house built after course. When you choose to live on a golf course you are assuming a certain amount of risk for potential damage from slices and hooks. You break a window you pay for it. A golf ball baseball soccer ball and others can all cause damage to a vehicle if they make contact with enough speed.

I would think it would be paid there similar to a bunch of kids playing ball and someone hits it through a window. What about the voluntary property damage coverage of 1 000. Unfortunately the majority of affordable golf course developments in the southwest do not feature custom home options and buyers are limited in the construction materials they can. When it comes to homeowners insurance typical policies cover such hazards as fire vandalism and lightning strikes.

Ramsey golf and country club 29 n j. Additionally homeowner s insurance may handle the damage. Under this scenario the homeowner assumed the risk in buying or building a house on the golf course. I ran out to get their name and phone number so that they could pay for the damage.

Everything from hitting someone with a golf ball when enjoying a day on the greens to the costs associated with identity theft could be part of your plan. The flip side of that coin is that homeowners should bear responsibility for golf ball damage since they assumed obvious risk by deciding to purchase a home near a golf course. The risk of being hit by a golf ball will clearly be higher than average whether that stray golf ball hits a houseguest your home or your car. Golf course hazards to your homeowners insurance.

Golfer liable intentionally or acted unreasonably in hitting ball toward the house. Course liable house built before the course was built. Golfers are responsible for the damage they cause to your home.