Nothing in their family history points to her being an idiot.
If you've never had to deal with anyone with clinical depression or disabling anxieties, then let me just say that there are some extremnely serious things you don't know about. May God protect you from such crippling experiences.
Though the homeowner's group has no contractual obligation past a certified mail, the fact that they selectively reached out personally to some but not others invokes a de facto requirement that they treat everyone by the same standard - and they didn't treat her the same as others. They should be countersued for discrimination, to give them an idea that they are not omnipotent. Homeowners groups are, by and large, so evil they make Satan blanch. The rest are just vicious, petty, and as criminal as they can get away with.
I have had panic attacks for almost 30 years I spent 6 months unable to leave my home I know all too well in which you speak