About 90% of the courses that I've played at have posted that damages are the golfer's responsibility.
Its not like the houses are sitting right in the fairway, or even close to the rough areas so your slice or hook has to be fairly wicked to break a window.
The golfers are pretty much responsible for damages that they do.
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My name is Ozymandias, King of Kings;
Look on my Works, ye Mighty, and despair!
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