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Q-My builder has deserted me. There are several things to finish on my job. However, even though I am holding back $2,750, I can’t get him back to finish. Why would he not want to collect the money that I’m withholding?

A-Based upon the list of items you described that need to be completed, I feel I know the answer to your problem. Believe it or not, the value of the work that remains to be completed is probably in excess of $6,000. If your builder does not return to finish, it appears that he will have gotten more money from you than he deserves.

This is a common problem. It can be simply avoided. You must only advance money to your builder for actual work completed. You probably would not be in this situation had you obtained a detailed cost breakdown at the beginning of your job.

Q-This past fall we had a new roof installed. It has rained many times and never leaked. However, after some recent heavy snowfall and very cold weather, water began leaking into my house in many locations. What did the roofer do wrong? Why would it leak now, but not during a heavy rainfall?

A-You should let your roofer off the hook. The leaks in your house were caused by ice dams. These ‘dams’ form under the conditions you described, as well as during periods of heavy freezing rain. To understand why ice dams would cause leaks, you have to understand how a vast majority of roofs work.

Roofs depend almost exclusively on gravity to keep water from entering your house. I’ll bet that you would never have guessed that physics and roofing were related! Here is how it works: For the most part, shingles, slate, tile, etc. are installed in a similar fashion. They are individual pieces that overlap so as to shed water.

Generally, roofers begin installing these materials at the bottom of your roof near your overhangs. They continue up the roof, putting the next piece of roofing material on top of the one below. The steeper your roof, the better this system works.

However, if water flows backwards up your roof and gets underneath and behind the individual roofing pieces, you will have leaks. Ice dams cause this to happen. They generally form under the conditions you described. Heat from the sun or heat leaking from your house causes the snow to begin to melt.

This melt-water travels beneath the snow to the gutter. The temperature of the gutter is below freezing. The water hits the cold metal and instantly freezes. Within a short period of time, the gutter is solid ice and the ice is beginning to grow up the roof. Eventually, the water hits this “ice dam” and before it can freeze, it flows underneath the pieces of roofing and leaks into your house.

You cannot easily stop ice dams from forming. However, you can do several things to minimize the possibility of leaking. Consider building large roof overhangs if you are building a new home.

If you have an existing home, consider installing specialized roofing products designed specifically to combat water buildup from ice dams. These products are manufactured using modified asphalt. They are applied directly to the wood sheathing just above your gutter line. Your regular roofing material is then applied directly over these products.

Send for Builder Bulletin No. 42, listing manufacturers of specialized “ice dam” roofing products and design tips to minimize ice dam leaks. Please send $1.50 and a stamped, self-addressed business-size envelope to Tim Carter, c/o The Chicago Tribune, P.O. Box 36352, Cincinnati, Ohio 45236-0352.

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Have questions about the remodeling process? Write to Tim Carter, c/o The Chicago Tribune, P.O. Box 36352, Cincinnati, Ohio 45236-0352. Questions will be answered only in the column.