How a dam forms.

An ice dam is a ridge of ice at the eave. It starts when warm air leaks from the living space into the attic. That heat warms the roof deck. Snow sitting on a warm deck melts from below. The meltwater runs to the overhang. The overhang sits past the heated walls, so it stays cold. The water freezes there and builds a ridge. Melt then backs up behind that ridge.
That sequence does not start on the panel. Ice dams start in the attic. Air sealing, insulation, and ventilation that keep the deck cold are the lasting work.