suing homeowners insurance?

suing homeowners insurance what should i expect
I fell twenty feet off a ladder at my sister’s house.I was helping her out and cutting some dead tree limbs off. The home owners policy covers 5k auto but the ER bill is 7grand before i go to the specialist for broken wrist and compression fracture of my back. No personal insurance of my own as I am laid off and could not afford COBRA. Can I sue the home owners insurance or do i have to sue my sister? The ladder was not what it should have been and her and her husband were taking my picture as it happened… You would think they would have been holding the ladder. But then again I did not ask them too.

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