Short answer: Garage door panels usually sag or bow because the top section is taking more strain than it was built for, the door is out of balance, it's carrying extra weight, or the sections are wearing with age. Look for bowing when the door is open, cracks near the hinges and new gaps between sections. Tightening hinge screws can help. Reinforcement, balance and opener settings are for a professional.

A sagging garage door doesn't usually happen overnight. It starts as a slight bow in the top section, or a door that looks a little wavy when it's open overhead. Left alone, it can lead to cracked panels, a door that binds, and an opener that works harder than it should.
The best way to see it is from the side of the garage with the door open, not from underneath. Don't stand under an open door to inspect it. A long straight board held against the inside of a closed door, from the side, can also show a bow you can't quite see by eye.
If the door is binding and the opener keeps pushing, it can bend the top section. That's one reason the force setting matters. Set too high, the opener pushes through resistance that should make it stop, and the door takes the damage. Force settings belong to a professional, and turning them up to get past a problem is never the fix. Our guide to garage door opener care explains why balance and force go together.
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Adding or replacing a strut, replacing a damaged section, adjusting springs to balance the door and changing the opener's settings are all professional jobs. Sections are tied into the hinges and rollers, and the bottom section connects to the cables. Taking parts off the wrong way can release tension or leave the door unsupported.
A slight bow can wait for the next tune-up. Call sooner if the sag is growing, a crack runs across a section, the opener arm bracket is pulling away from the top panel, or the door binds or stops partway. A door that binds puts extra strain on the opener, the hinges and the rollers, and a section that splits can leave the door unable to close.
A sagging top section on an otherwise healthy door can often be reinforced. Several cracked sections, rot in a wood door, or a door that has sagged badly after years of strain may be a different conversation. A pro can tell you which one you're dealing with. Ask for the price before work begins, and ask what caused the sag so it doesn't come back. If weak springs or a heavy add-on started it, fixing the panel alone won't hold. Our window and panel care guide covers everyday care for the panels themselves.
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Usually the top section is bending under the opener's push, often because there's no reinforcing strut, the door is out of balance, or it's carrying extra weight. A professional can reinforce it and check the balance.
Often, yes. A bowed top section can usually be reinforced with a strut. Badly cracked or rotted sections may need replacing. Have a professional look at it.
A slight bow is usually not an emergency, but get it checked. A sag that's growing, cracks near the hinges, or a door that binds can lead to bigger damage.
A strut is a metal bar fixed across a door section, usually the top one, to keep it stiff. It helps the section handle the opener's push and pull without bending.