Winter got to you yet?
Incompetence on the Roof
From 'The Green Mountain Justice' by Reverend Henry Reeves. Dunno when he wrote this, but it was printed in an anthology about 1890.
So yes, people worried about insurance and roofs back then. And, yes, of course both those people end up on the roof and in snowbanks. You don't think that joke is new, do you?