A torsion spring under tension can take a finger off or worse, and that doesn't change because your house is newer. If the spring is still intact and just making noise, you can safely check and tighten the fasteners on the track and the opener's mounting bracket yourself, and you can lubricate rollers and hinges with a garage-door-specific lubricant - not WD-40, which washes out grease rather than adding it. What you should not touch is the spring itself, the winding cones, or the cable drums. If the door won't open, or opens a few inches and stalls, or one side of the door looks lower than the other, stop there and call. Trying to wind or unwind a spring without the right bars is the single most common way people get hurt doing this themselves, and it's avoidable.