If your loved one dies unexpectedly and without a will, you must refrain from taking money from their accounts. Any authority you previously had to access money from your loved one's account expires on the day they pass away. This applies even if that authority was granted through a legal document such as a Power of Attorney.
You should also not remove belongings from the home of the deceased. Everything your loved one owns is part of their estate and should be submitted to probate. Nothing should be removed until a executor has been appointed to oversee the process.
The third thing you should absolutely not do if your loved one dies without a will, is Nothing. Every estate, regardless of the size should be submitted to probate to ensure that the assets of the deceased are passed down to those who inherited them. That way, as years go on and relationships change, there is no confusion as to who inherited what.