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Denise Crosby: Aurora family determined 'to bring Andy home'

As I write this column late Tuesday afternoon, Andy Zepeda Jr. is on the journey of a lifetime. When you read this Wednesday morning, if all goes as planned, he will have arrived at his destination.

It is a race against time, for the 44-year-old man is coming home to die.

And driving this final trek is his large Aurora-area family — those who are literally in the van with him as they rush to get him back home from California; and those waiting here to embrace him with their love.

“The hospital bed will be waiting for him when he gets here,” said his sister, Edith Zepeda. “As soon as he gets in the house, he will have all of us around him. Whatever God’s plan is after that, if he has a little while or longer, we will be with him.”

Andy Zepeda Jr., a concierge at a Palm Springs hotel, tumbled from a ladder while hanging Christmas decorations in December and cracked several ribs. As weeks progressed and he continued to feel worse, he returned to the doctor, only to discover he was in the final stages of liver failure.

Doctors gave him two to five days to live.

When his parents, Andy Sr. and Christina Zepeda of Montgomery, heard the news, they immediately flew to his side Saturday morning, only to find there was little they could do but honor their son’s last request.

“Mom, please take me home,” Christina Zepeda recalled the emergency room plea.

“Once he said those words,” she added, “I knew we would do whatever we had to do to get him back here.”

Doctors, however, would not allow the seriously ill man to fly. And so, Andy’s large extended and immediate family, who come from a strong military and police background that includes four Aurora officers, banned together to figure out how they could pull this off so quickly.

How much is homeowners insurance in IL for townhome that's not ...

I’m planning to purchase a townhome and the assessments does include common insurance. I’ve been told it doesn’t protect any misc assets I have in my home in case a disaster occurs. I want to factor this into my monthly expense estimates. I’m looking for a purchase price at 0,000. How much should estimate for homeowners insurance? Is it a monthly and annual payment?

Thanks

Chosen Answer:

You need to call an insurance company for quotes, start with your auto insurance company & go from there. There are many questions, what does the master policy cover? You would need to read the condo bylaws to find out. Does that policy cover everything attached to the unit or only to the studs? Does it cover anything that you add to or alter in the unit? So, you would purchase a condo policy (HO6 form), you would need to find out from the condo association what you actually need to cover. That would be the dwelling limit you need. Then you need to tell the insurance company how much contents coverage you want (if you had to replace everything you own), then get at least 0,000 liability, ,000 medical payments & get ,000 (or the company maximum) loss assessment (this covers if you are assessed for damages to common property – simplified definition – you would need to speak to an agent to explain it to you). You would also need to tell the agent the deductible you want (property coverage).

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