Not if insurance paid for it.

It's not your fault that the tenant has to vacate, so the tenant should have insurance to protect them against any additional expenses.

I'm unsure if I would use property management at this point, and there would be some insurance.  

You have the mortgage, taxes, insurance, maintenance, capital expenditures (roof, flooring, etc.), and also need to consider the cost of vacancies or bad tenants.I also recommend you charge market rate, for yourself and the tenant.

Be sure you consult your agreements with them as well to determine if there is some other action you are responsible for.You may also want to contact your insurance to find out if and when they may step in and do something.

Marketing, screening, collecting rent, unpaid rent, maintenance, capex, insurance, lawn care, vacancies, turnover costs, inspections, and so much more. 

With insurance rates going up, best to find areas with the lowest operating cost.

The catch is she is retired and won't have income except SS, thus I would be paying for everything...the HOA, repairs, utilities, insurance, etc.

Insurance for what?

I think it will also depends on state laws and a lot of information not present but the HOA rules and insurances are two different things.