St. Catharines sits in a freeze-thaw corridor — daytime highs above 0°C and overnight lows well below. That cycle is the exact condition ice dams need. A warm attic melts the snow layer against the roof deck; the meltwater runs to the unheated eave; it refreezes into a dam; the next melt pushes water uphill under the shingles. Damage shows up as ceiling stains, peeling paint at the top of exterior walls, and rot at the fascia.
Homes built before the 1990 Ontario Building Code update are the most at risk — those attics were insulated to roughly R-20 and rarely had continuous soffit-to-ridge venting. Newer builds fail when pot lights, bath fans, or attic hatches leak warm air into the attic.