Does Your Florida Home Insurance Policy Have a Crease in the Paper?

On her way out the door to an early morning doctor’s appointment, Corrie saw the familiar orange vested men climbing the utility pole in front of her house. She approached the electricity company’s truck parked on the street and found a supervisor. He informed her the power would be out for a couple hours while they did some necessary repair work.

Already running late, she nodded and set off. She had several errands to run and the lights would be on well before she got back home.

Saddled with groceries, Corrie returned home that afternoon. The sky had darkened through the day and sheets of rain soaked her to the skin as she made three trips through the puddled driveway to carry in her bags. Well, at least the power was back on.

Groceries put away, she proceeded through the house to reset all the clocks that were now flashing that annoying twelve o’clock. She headed to the basement to reset the alarm clock in the guest room. By the time she hit the third step in the dim stairwell she realized something was wrong.

Water was swelling onto the stairwell, high enough to touch the railing above the bottom step. That meant the basement beyond the stairs was flooded with water at least waist deep.

Uncertain about how much danger she may be in given the electronic devices in the basement, she grabbed her jacket and splashed back out to her car. Wondering if the power outage had caused a problem with the sump pump, she called her insurance company with a plea for help.

Corrie found out the hard way that she did not have appropriate coverage. Like many homeowners, moving into a new home is filled with a thousand little details, one of them being insurance. At the time of the application, she only requested whatever the required basic insurance, thinking it would cover any major problems.

Understanding Your Coverage

Depending on where you live, the mandatory coverage may be different. Fire and liability are usual, but what about if a tree falls on your home? Vandalism, floods, natural disasters or damage caused by emergency services may not be included in your Florida insurance coverage with

Take a look at your current Florida homeowners insurance policy. The majority of people don’t have so much as a crease around the staple from the paper being folded over to read the next page. No crease means you’ve never really looked at your policy. Your insurance coverage is there to protect you, so you have a responsibility to yourself to know exactly what you have. Read, ask questions and understand.

Things to Ask Your Provider

When applying for the policy or visiting a website, standard questions about the home were asked. But you should be asking a few of your own. For example, in Corrie’s case, her sump pump not working during a power outage was not covered. However, some policies will allow coverage if the pump has a battery backup. If the pump can’t keep up during a severe situation, the battery backup allows the claim to be accepted.

You may not understand in complete detail how your policy works, but your provider does. So start the conversation by asking detailed questions.

  • Does the age and type of furnace change the insurance coverage?
  • Are old windows covered in storm or damage cases? What about in the event of a break and enter?
  • Do septic systems have special requirements?
  • If your rental hot water tank malfunctions and floods part of the house, is that covered?
  • What type of DIY projects may nullify parts of the insurance?
  • Will home improvements change the policy?
  • What about the barbeque? Portable backyard pools? Do they void your insurance?
  • What are the requirements for having an inground pool?
  • Can you be sued if someone suffers injury or accidental drowning? Are you covered against that liability or is it extra?

“What Do I Need to Know About…”

When you move into a new home, it’s obviously difficult to anticipate every detail that may inadvertently cause problems with your insurance. However, once you’ve unpacked and settled in, break out a pen and notepad and walk around the inside and outside of your property. Take pictures or videos to help you explain parts of your property.

Make notes of everything from fences to old trees to discuss your insurance coverage in detail with your provider. If you’re planning any home renovations, run it past your agent first, so you understand what coverage you need both during and after the reno. If you’re not sure what to ask, just detail your house and ask, “What do I need to know about this?”

Your provider is the best source when it comes to understanding your coverage. Set aside appropriate time to get a Florida homeowners insurance quote from You can then set priorities on any additional coverage you need and review the estimates for the premiums. Otherwise, if you’ve never so much as glanced at your policy, you may find out the hard way how little protection you have.

Bicycle Dealers and Bike Repair Shops

Bicycle dealers and bike repair shops could use The Granny Bike conversion kit to converts two standard bicycles into an affordable and unique type of quadcycle. Bike dealers and bicycle repair shops may have an opportunity to increase their sales of bicycles and tandems if they include the Granny Bike conversion kit in their catalogue or sport store. The tricycle has been the bike of choice for those requiring a stable cycle. The Granny Bike is more stable, can seat two and is less expensive then a tricycle. It is a good alternative to the adult tricycle. It is the poor man’s quadcycle.

Bicycle dealers enquires are invited.

Remember, this four-wheeled bicycle can quickly be converted back into two standard bicycles. No new parts are required. Assembly or disassembly time is approximately 10 minutes once the initial set-up and adjustments have been made. The only tools required are a 1/2 inch deep socket and a 1/2 inch wrench and maybe a pair of pliers. If an umbrella holder or carrier are added, then include a pair of 7/16 wrenches.

Many bicycle shops have a large inventory of good used bicycles. These used bikes are ideal to convert into Granny Bikes and the cost is usually quite reasonable.

Fill a marketing niche, add the Granny Bike conversion kit to your line of sport equipment.

Physically Challenged – Transportation

The physically challenged can use The Granny Bike conversion kit to convert two standard bicycles into a 4 wheeled vehicle tailored for the physically disabled. This may not seem an advantage from the cost point of view as most specialized vehicles for the disabled are covered by medical insurance. However, not everyone has medical insurance and the Granny Bike is an affordable assistance for those that can adapt to its operation. The Granny Bike is a natural supplement to those required to use a walker. A walker would still be required indoors, but a Granny Bike would greatly extend the mobility of the user for outdoor activities or where the space require for the Granny Bike could be accommodated.

Where supervision of the exercise session is required the dual drive system makes the Granny Bike a idea exerciser. The therapist can lead or pace the exercise session and also enjoy in the ride.

When the seat is changed to one fitted with safety harness, the Granny bike again makes a good alternative to a wheel chair, allowing the caregiver as well as the patient the opportunity to also ride, or rest wherever they are.

The Granny Bike would seem useful as a forced exerciser for stroke victims with walking problems. Feet could be strapped to the pedals and force to follow the pedaling motion. The coaster aspect of the drive would have to be modified to make the pedals continue to move when the Granny Bike moves forward.

In northern areas when cold weather and snow put a end to the bike riding season, the Granny Bike can be taken indoors and turned into a stationary exercise bike. All that is required is to suspend the rear wheels off the floor by a support positioned under the bottom rear cross support of the Granny bike conversion framework. The pedaling load can be adjusted by lightly applying the caliper brakes.
Because the Granny Bike conversion kit is being used for therapeutic purposes. The cost of the kit may be covered by insurance if recommended and prescribed by a physician.

Nursing homes are another candidate for the Granny Bike. With wide corridors and hall ways there is ample room to ride the four wheeled bicycle indoors. It would be a much better exerciser then a wheel chair for those patients that have some degree of mobility. Seats could be fitted with back supports and safety harness if required. Visitors would much rather share a ride on the Granny Bike with a patient then push a wheel chair or walk along side a patient who requires a walker.

Retirement Communities – Stable Bicycle Transportation

Retirement communities can use The Granny Bike conversion kit to converts two standard bicycles into a stable four wheeled bicycle for use around their home, trailer parks and camp sites. This type of living environment beckons a quiet means of transportation for shopping and deliveries within the community. The bike can be used for touring the community, and visiting with your neighbors. It is fitted with a carrier for multiple uses like carrying extra clothing, picnic lunches, groceries if shopping, books from the library, or maybe your golf or tennis equipment, etc. This quadcycle also has a tow bar where a trailer can be attached. Tow your canoe to the lake, a trailer for extra passengers, take your garbage to the dumpster, or when camping, transport your washing to the comfort station or the shower room. The one nice thing about this 4 wheeled bike unlike the tandem bike, is that it is a portable seat that you take with you where ever you go. Just stop pedaling and sit and relax. Even through this Four-Wheeled Bicycle mainly targets seniors, it is a fun vehicle for all to tour on. Both cyclist can contribute to all aspects of the ride. Either rider can have full control of the bike. It is also more stable than an adult tricycle. The side by side position of the cyclists makes conversion convenient, and visibility great for both riders. The Granny bike is quite, no noisy motors, great for bird watching and observing nature.

Retirement communities and holiday resorts all over North America can enjoy the Granny Bike. Winter playground in the southern United States like Arizona, Florida, Texas, Georgia, The Carolinas and California to name a few. Snow birds flock south every winter to sunny Florida trailer parks, Texas retirement communities or to the west Pacific coast and the state of California.

Winter in Canada can be a challenge for bike riders, but the resorts and retirement communities on the coastal regions of British Columbia can use the four wheeled Granny Bike all year around to supplement their leisurely life style. Ontarian’s and other parts of Canada can look forward to at least 8 months of good bike riding weather. This four wheeled bicycle can add to the enjoyment of living in any retirement community.

Bicycle Paths and Trails

Bicycle paths and trails are quite suitable for a four wheeled bicycle like The Granny Bike because of the comparatively narrow gauge, 28.5 inches between wheel center lines. For touring The Granny Bike is a very sociable PPV because of the side by side seating arrangement. Because of the dual operating capabilities of this four wheeled bike, it is ideal for travel where a little supervision is also required.

Information on bike paths and trails

  1. Google Maps – Find bike paths all over the world
    • To find maps and information on bike paths and trails go to the Google Maps.
    • Enter a location of interest in the search block, e.g. The Villages FL, then select “Bicycling’ from the menu to see bike paths.
    • Download Google Earth to supplement your bike path information.
    • To determine GPS coordinates of known locations.
  2. Canada, all provinces and territories.
    • The Trans Canada Trail. See web site for detail.
    • Find or Create a bike route in Canada.
    • Cycling information around Vancouver, B.C. and lower mainland.
  3. Peterborough, Ont.
    • Bike Trail Map.
    • Peterborough and Area Trails and Parks.
    • Bike Maps and Routes.
    • Central Ontario Loop Trail (COLT), Events and activities. Recreational trails and bike trails in Peterborough, Ontario area.
    • Bike and Sport store in Peterborough.
  4. Canadian Trail Guides.
    • Bicycling in Canada.
    • Canadian Trail Reports
    • Canadian Bicycling Books and Maps.
    • Information on Bicycle tours in BC, Canada.
    • Pedal – Canada’s Cycling Magazine.
  5. Cycling in Quebec.
    • Web site for, Cycling the Eastern Townships of Quebec, Canada.
    • Cycling Paths, Book
    • Then search on Cycling.
  6. Ontario Biking Trail Information
    • Recreational Trails Map in Southern Ontario.
    • Explore Ontario by Bike.
    • Ontario Trails Council
    • Web site of , ONTARIO CYCLING ASSOCIATION Lots of useful links and cycling information.
    • Take your bike on the train to destinations across Ontario.
    • Antique Bicycles site. Lots of Links. Dedicated To The Enjoyment And Preservation Of Our Bicycling Heritage Canadian Contact: Ron Miller, 9 Hill Street, Maple, Ontario, Canada , L6A 1P9
    • Go to web site for maps of pathways and bikeways maps in the City of Burlington, Ontario.
    • Cycling information in Niagara, Ontario, Canada.
    • Canadian Cycling information.
    • Bicycling in Ontario.
    • Greater Niagara Circle Route.
    • Tandem Cycling Club, For the vision impaired.
    • Ontario Bike Paths and Rail trails, Book, $19.95.
    • Trails in the Haliburton highlands. Maps & Links.
    • HAMILTON CONSERVATION AUTHORITY Walking and bike trails.
    • . The Adventure Mountain Bike School. Collingwood, Ontario. Trails and maps.
    • Then click on Parks and Tails for Trails and maps around Brantford, Ontario.
    • Promoters of long distance cycling with the province of Ontario.
    • A glossary of trails.
    • Trail maps in the Collingwood area.
    • Slide show of the bike paths around Collingwood, Ontario.
    • Biking in Canada’s Capital – Ottawa.
    • Ontario rail trails. A collection of bike trails that were once abandoned railways.
  7. Toronto, Ont.
    • Toronto Cycling Maps.
    • Cycling in Toronto, Ontario. Toronto Cycling Maps, Promotion of biking by the City of Toronto .
    • With over 800 members the Toronto Bicycling Network is Canada’s largest recreational cycling club. Organized tours.
    • Bayview Cycle Center – Bicycle trails around Toronto and Outlying Regions.
  8. Calgary, Alberta
    • Calgary Bike Path Information and Maps.
  9. U.S. Bicycle Paths:
    • The Villages Florida, Bike Paths.
    • Los Angeles bike path maps.
    • List of Florida’s Paved Bike Trails.
    • Mike’s Mega Bicycle Links A good source of US bicycle path maps and other things related to cycling.
    • Biking in Michigan. Department of Natural Recourses.
    • Boston’s Bike Map.
    • NYC Cycling Maps.
    • Minnesota bike trails
    • Biking in Wisconsin.
    • Biking in Arizona.
    • Biking in Nevada.
    • Biking in Utah.
    • Biking in Colorado.
    • Biking all states US and Canada.
    • Bike trail information all US states.
    • Biking in California.
    • American bike trails.
    • US and Canada Bike trails.
    • Adventure Cycling Association
    • United States Numbered Bicycle Routes
    • MapMyRide bike Path maps and Bicycling Routes in the United States and Canada
    • Create a nationwide network of trails from abandon rail lines.
    • US Bicycle Route System Connecting America.
    • A guide to Bicycling in the USA. Maps, Events, Resources
    • Bike Trails Created from Abandoned Railway Lines


Nursing Home Exercise Bicycle

Nursing homes: – Try The Granny Bike.

Nursing homes can use The Granny Bike as an excellent alternative or supplement to the wheel chair that is used in all nursing homes and extend care retirement facilities. It is very affordable when compared to the price of wheelchairs and electric scooters. This four wheeled bike also encourages the patent or retiree to exercise, and is fun to drive or ride. It is very stable compared to wheel chairs and scooters and can be also be used in the outdoor yards of retirement communities. In some localities it would also allow the retirees to socialize in the community nearby, or shop at a mall. If a walker or cane is need by the user it could also be carried on the Granny Bike for use if need.