[recycled sixtie]

My sister in law lives in Calgary right next to the womens' tee box of a private golf club. The men's tee box is fifty yards behind so an occasional errant golf ball lands in their yard. About once a year a ball hits one of their windows. When that happens her man phones up the pro shop and complains about the broken window. A window repair guy is sent over to fix the window. How is this covered? Each club member pays insurance to the golf club each year.