Richmond and the surrounding towns sit in a cold climate band with hard winters, and cold is rough on garage door hardware in a specific way: metal contracts, lubricant stiffens, and the rollers that were already worn from 50-plus years of service bind in the track instead of rolling smooth. A roller that's been sliding instead of rolling for months will eventually catch and jump the rail, usually on the first really cold morning of the season.
The age of the stock matters as much as the cold. A door built when the neighborhood went up in the 60s or 70s has had a long time to loosen its track bolts and wear its hardware, and nobody re-levels a garage door track as routine maintenance. Combine original hardware with a hard freeze-thaw cycle and an off-track call is close to inevitable eventually.
This isn't unique to one street or one subdivision - it's the pattern across the service area, including out toward Berea, Lancaster, Irvine, and Winchester, wherever that same building-era housing sits under the same winters.