Maybe self-healing.
It's really the underlying cause, brought about in different ways. Surges exacerbate cracks (thermally and due to leakage current into the crack), causing local heating and potentially causing, uh, catastrophic ignition.
Overvoltage, obviously, is most sensitive around a vulnerable zone.
Normally, a crack self-heals, because the local heating decomposes the MnO2 solid electrolyte into insulating Mn2O3, and the released oxygen creates more tantalum oxide.
Obviously, if this turns into a runaway process, it's screwed. Normally, it doesn't.
A crack might fail shorted, if insufficient energy was provided to self-heal it (ironically enough), which might explain random failure of timing caps. In that case, the cause would probably be thermal stress.
Tim