Yes, rough use can crack a coil and water inside can cause problems, but that is the least likely to happen with most coils on the market.
A bad coil can also mean a bad coil cable, and that can be at the connector end, at the point where it enters the coil, or anywhere along the cable. cases can be stretching/breaking wires from snagging it, pulling on the cable, over flexing the cable, or maybe thorns, stickers that puncture the cable ... to name a few.
The coil internals can get "out of spec" if there's a break in a wire, rough handling (or poor build quality) that jars the Transmit or Receive winding out of position, or a pick-up wire or electronics that get moved, or electronic components that fail, to mention the more common causes.
In simple terms there could be a 'short' but that relates to things being Jarred out of position resulting in contact where there shouldn't be any.
Some coils, by design, are easy to open, inspect and repair, while some are just not 'fixable' a lot of the time.
Monte