Consult a personal injury attorney ASAP to investigate and advise you.
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While the defense will definitely have an argument with regard to your possible contributory negligence this sounds like a case which should be pursued given the gravity of your injuries and the defendants' negligence, e.g., improper placement of the ladder, failure to secure and / or hold the ladder.
I suggest meeting and interviewing several lawyers in your area. I believe you will find more than one lawyer willing to pursue your case.
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Handling a claim without a lawyer never goes well. Retain a good personal injury lawyer to recover from the homeowner's carrier.
You should see another lawyer and have the case evaluated. Did the insurance company pay the "med-pay" portion of the policy? Most homeowner's policies have med-pay, usually $2500 or $5000. Med-pay applies regardless of fault to a person injured on the insured premises. This should give you some up front money for out of pocket medical expenses while you are having the case evaluated. Most policies require the bills to be submitted withi one year of the accident.
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