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The house being built at a later date is irrelevant. The golfer is responsible, because they should have either taken out Golf insurance on their own, or with the club. Some clubs add insurance to annual fees or green fees. Unless the golfer didn't own up, in which case it is the clubs' responsibility.

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Q: California Who is responsible for a broken window by an errant golf ball The course was there before the house was built No changes have been made to the course?
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