Potentially you could be responsible for any injuries that your neighbor sustains as the result of a defective ladder that you lend him or her if it fails and inury or death results if you failed to maintain the ladder in good condition or failed to disclose that there was something wrong with it before the loan.If the neighbor falls as a reult of poor positioning of the ladder, then the ladder itself is not defective, your neighbor was careless in its placement or somehow went off balance and fell.I suggest you carefully look at the ladder and make sure that it is in good condition before you loan it out taking photographs of it before the loan.Good luck to you and your neighbor.