Homeowners Insurance question (pay, deductible, live, claim)

[Wraunch]

Anyone live on the course in GL? What happens if/when a golf ball goes through a window? I assume it's on the homeowner to fix it. Do you typically just pay out of pocket for that?

[golfgal]

"Officially" it would be the responsibility of whomever hit the ball into the window to pay for the repair. If you hit someone else's window you can file a claim against the liability portion of your policy to pay for the repair but if the repair is say $500 and you have a $1000 deductible it doesn't make sense to file a claim.