I'm kind of doubting erosion is a main culprit unless it's on a hillside. Are you saying groundcover contributes to erosion?
There are areas around here where you are certain to see exposed roots in most of the neighborhood, I've always figured it was the soil itself didn't have enough or the right types of nutrients and there wasn't enough oxygen/water and too much compaction so they grew on clsoe to the surface?
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As explained above, three things are at work with exposed roots. BC Wetcoast did a nice job of explaining that different species and conditions cause increased surface roots. Add to these general trends the fact that roots increase in diameter as the tree grows. UNLESS the groundcover (be it natural accumulation of leaves, dust, detritus or turf) continues to add to the soil level as the roots mature, you will find erupted roots. Not just occasionally, but every time!
In contrast, look at any mature tree (growing in a turf area, not a woodland) that does NOT have exposed roots. You will usually see that it is growing on a naturally formed mound, where the soil level rises to meet the root crown. This is because the soil level rose with (and because of) the trees developing root system.
Generally, in a US residential area, the lawn is mowed and doing fine, until the recently planted tree matures. Competition between the lawn and the tree causes the turf to thin out and go away, leaving bare soil at the base of the tree. Since there is no other ground cover present, as there would be in a woodland setting, the soil level slowly erodes, or at best, does not increase to keep pace with the ever expanding roots.
Voila! After 30 years, you got exposed roots that you can't run a lawn mower over.
I must confess, I typed out my text too hastily earlier. I said "...mostly the result of ground cover to protect the very surface of the soil".
I should have said "mostly the result of
inadequate ground cover to protect the very surface of the soil".
I guess in summary to your doubting soil erosion as a cause: soil erosion takes two forms: 1. removal of existing soil, and 2. Failure to build new soil as the tree develops.