is homeowner responsible for fall off a ladder when cleaning windows

It does not sound like the homeowner had anything to do with your fall.  However, a homeowner has an obligation to make sure that you have proper insurance coverage before allowing you to work on their property.  Because the homeowner did not do that, and you were injured on their property, you may have a claim against them.  It is also possible that their homeowner's insurance policy may exclude coverage for an injury such as yours.  Therefore, it is important that you contact an attorney who practices in the area of personal injury law who is knowlegeable about insurance coverages.  It is possible that the homeowner's insurance policy will have medical payments coverage ("Med Pay").  Med Pay should pay for medical treatment up to a set limit of coverage, usually $5,000, without regard to who was at fault for the accident.