A lot of the housing across this service area - the 44 named communities we work in run mostly 1980s and 90s construction, with the broader stock spanning 1962 to 2005 - has garage door hardware that's original or close to it. Track brackets from that era are often lighter gauge than what goes in today, and after twenty-plus years the lag screws holding them to the studs work loose even without a hard hit.
Climate plays a smaller but real part. This area sits in a mild band with occasional freeze, so tracks don't fight the kind of ice buildup that causes off-track failures in colder regions - but even a light frost can stiffen grease in old rollers just enough that they catch instead of rolling smoothly, and a roller that catches is a roller that can jump the rail under spring load.
The most common trigger we actually find, across doors from Bryn Mawr-Skyway to Newcastle to Fairwood and the rest of the towns we cover, is a bottom roller or hinge that's worn oval instead of round. It rolls fine most of the time and then catches at exactly the wrong moment, usually when the door's near the top or bottom of its travel and the spring tension is highest.