If you park your car beside a golf course, you take that risk. Period. There ain't a golf course around here that wouldn't laugh at your claim (literally). I wasn't going to say that but that's literally the way it is.
The only thing you
may have going in your favor is that it's Disney and you're a
DVC member. If it happened to me, I'd be pissed but at the end of the day, I'd report it if I had insurance or pay for it OOP if I didn't have coverage. My bet would be that's the only way it's gonna get fixed.
That's the bottom line.