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Ice dams can occur when the temperature in your attic is above freezing and the snow on your roof melts and then refreezes as it hits the colder eaves, according to State Farm Insurance. “As water continues to under melt, it’ll stop at the dam and it’ll actually back up into the house. It causes a major amount of damage,” said public adjuster Chris Hilkemann of St. Charles-based Partners Loss Consulting. Hilkemann said the water could soak your attic insulation and penetrate the drywall. State Farm said damage could come in the form of drooping ceilings, water leaks on interior walls and ceilings, jammed doors, cracked interior walls near the center of your home and creaking sounds. ....