Most of the housing across this service area went up between 1958 and 2005, with the bulk of it dating to the 1960s and 70s. A door and track system installed during that stretch is running on hardware that predates the heavier insulated steel doors a lot of owners have since swapped in - the original track brackets and jamb hardware were sized for a lighter panel, so decades later a slightly loose bracket or a worn roller has more weight working against it than the system was built to handle.
The mild temperate climate here doesn't put the kind of thermal stress on track hardware you'd see in a region with hard freezes, but it also doesn't excuse decades of settling. Garage slabs shift a little over 40-plus years, door frames rack slightly out of square, and a track that was plumb in 1975 may not be plumb now. Add a bumped car, a roller that's finally worn through its bearing, or a cable that's frayed one strand too many, and the door walks off the rail.
A bent track from an impact is the other common cause - a car mirror or bumper catching the bottom section is enough to kink the rail just enough for the rollers to jump out on the next cycle.