An off-track door usually announces itself the same way regardless of the house: the door hangs crooked in the opening, won't fully close, or you hear a scrape and a bang partway through the cycle before it stops moving. What causes it varies more than people think.
The cold winters typical of this part of the Chicago suburbs (this region sits in a moderate-cold climate band) put steel track brackets through repeated contraction and expansion across a season, and on a door installed with lighter hardware - the kind more common in Streamwood's 1981-median housing than in older stock closer to Wheaton - that cycling works a bracket screw loose faster than it would on heavier older track. Add a rock or bit of debris caught in the track, or a roller that's simply worn past its life, and the door jumps the rail.
One honest limitation: if the track itself is bent rather than just knocked loose, straightening it is a short-term fix at best. Bent track almost always comes back off, and at that point replacing the section costs less over time than repeated service calls on the same spot.