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Once the estate is settled there is nothing for anyone to get money from. By the time a timeshare would learn that the owners are deceased most estates would be long settled besides the time and expense an HOA would have to spend tracking down the estate and filing legal papers. It's not cost effective. No one can force an heir to take ownership and responsibility. If the owner dies just let it go into default. There is no law that says you have to notify the HOA that the owner has died.