I asked this same question, once, of a golfing buddy in Southern California. We were playing a new course that had been built inside of a residential area that sprawled in and out of several canyons in one of SoCal’s foothill communities, resulting in some very narrow fairways lined by some very expensive homes. Having an exceptionally wayward slice, I was concerned about what to do should I cause any damage. His response was that if the damage is visible, such as a broken window, glass table top, plant potters, that sort of thing, he always leaves his business card with a brief but sincere apology written on the back. He said he has never had a problem in his many years of doing this, and that the homeowner’s insurance companies undoubtedly cover the damage. As a matter of fact, he said this practice has actually brought his business several new accounts. He works, by the way, for an insurance company.