Welcome jensieblue. I've spent some time today thinking about your post, because if we ever have a renter in a similar situation I would like to know what to tell her.
First of all, I don't think the lack of chair availability has anything to do with snobbery or photo-ops or prejudice or whatever. The business market along 30-A has not matured yet (I'm sure any number of us can come up with great business ideas, if only we lived there full time!) because the area has grown so rapidly. If the bike rental companies are not aware there is a demand, they won't offer them. So since you have a couple of months, it might be worth your while to call a couple of bike places and see if they've considered it. I don't have any names, though ... Kurt, can you think of a few she can call?
The other issue I can think of is access. The same dunes that Paula rightly praised for saving our homes from storm surge make it very difficult for people with any kind of disability to get down to the beach. For example, after Hurricane Ivan, in most places you had the 25 or 30 foot dunes plus a beach that was suddenly very narrow. As a result they had to build VERY steep stairs so people could get down. There is just no way you can build a ramp system that would meet ADA standards so people with chairs can get safely down to the beach. There is just no room. I imagine hydraulic lifts would be a possibility, but the sea air would rapidly damage them and any storms would destroy them.
So if you are not at all ambulatory, you have to figure out first which beaches you can even get to. Grayton Beach State Park is the first and obvious thought, but I have no idea what kind of handicapped parking it offers. Can anyone tell her the best places for handicapped parking and walk-out access?
If the SoWal beaches are severely lacking in this department, that is something Walton County officials need to address in some manner. Because of the high dunes and narrow beaches not everyone can be accommodated in every area, but there should be a reasonable solution and a place where disabled people can rent those way-cool chairs nearby so they can get the full beach experience.
As far as the beach umbrellas and chairs, they are available for rent along the beach. You can hire a company to have them available for you for the week, so you don't have to put them up/take them down every day, etc.
Hope you have a great trip. Let us know what you find out so we can spread the word if this question comes up again!
