BeforeAfterAside from several cuts, scrapes and other injuries (working by myself so had to handle everything alone) I was happy with my work. 

I am a veteran, and currently am unable to work due to injury. 

Personal injury losses may occur due to alleged wrongful eviction, invasion of privacy, or discrimination.

If I "don't play the game" then these homes sit even longer to the point of non repairable, the homes around it drop in value, the druggies have a place to crash, kids in the Neiberhhood can be injuried .

If an injury occurs, then the person who hired the contractor is basically uninsured.

No legal advice, but I have denied to file claims on behalf of homeowners for acts they claimed were the fault of the HOA (nothing as serious as personal injury - all involved contact between the front gate and personal vehicles).

It is foreseeable, for example, that throwing a baseball at someone could cause them a blunt-force injury.

The owner is more likely to just delay the foreclosure and in some area it could take years meanwhile the owner could be staying with family renting out the place to pocket the cash off the books and than a few years later the foreclosure finishes and he could get bumped into section 8 (depending on location) with the bill 100% footed by his social security or workman comp assuming they are older or just lost there job because of an injury.... or no matter what the age maybe there just a deadbeat and will burn the place down and let the insurance deal with it...

As for insurance, cleaning gutters generally requires standing on a ladder or climbing on a roof -- why would you assume that the rehabber wouldn't expect you to invoke your insurance on a job where there is risk of injury?

From and after the date of this Contract, Buyer shall indemnify Seller for, defend Seller against, and hold Seller harmless from any liability, loss, cost, injury, damage, or other expense that may occur or may be claimed by or with respect to any person or property on or about the Premises resulting from the use, misuse, possession, occupancy, or non-occupancy of the Premises by Buyer or Buyer's agents, employees, licensees, invitees, or guests.