When a golf ball crashes through a homeowner’s window, there is the question of who faces liability. All too often, a golfer hits a ball when playing on a course located around a residential area that ends up hitting a house.
Who Is at Fault When a Golf Ball Crashes Into a Home?
This question is tricky, and the answer isn’t always clear as laws vary by state and each unique case. Golf courses also mandate different rules.
A Deeper Explanation
Golfers typically assume the homeowner’s responsibility since they have coverage on their home. In contrast, most homeowners believe the golfer is responsible as they did the act. What if you don’t know what golfer did it? Some laws might state that a golfer faces complete responsibility. However, it is difficult to prove. Also, some golf club members are required to consent to be bound contractually responsible for damage regardless of responsibility under tort law.
Responsibility
In the majority of cases, usually, the golfer who hits the home with the golf ball is responsible. Home buyers must do their due diligence when purchasing a house to determine the relation to the holes. Homes located behind the tee box are unlikely to get hit but will likely often get hit if it’s 150 to 250 yards out on the right. Those living on a golf course assume some risk.
Other Considerations
It is wise for courses to have broad insurance to cover them, which would also be helpful if they cannot resolve the issue. When homeowners become victims of an errant golf ball and try to determine who hit it, they typically look to the golf course to see if their insurance will pay for the damages. When golf courses don’t take responsibility for the damages, homeowners will likely put in a claim to cover the repair costs. Are you prepared for these types of scenarios and to cover damages? Be sure to protect the course form claims. T2Green Insurance offers Errant Ball Coverage so your golfers can play easily and prepare for the worst.
About T2 Green Insurance
T2Green Insurance provides the best customized and comprehensive protection for your club, resort, or golf management business. Our niche expertise and sole focus ensure this class, while our industry professionals dedicate themselves to providing exceptional results so that you can feel confident with your coverage. T2Green offers specialized coverage options that are unique in the industry. With our exclusive program, unlike anything else on the market, you can feel peace of mind with protection tailored to your club’s unique needs. T2Green is driven by innovation and responsiveness in both coverage solutions and customer service.
