My personal opinion is that:
- concrete is very strong in compression
- concrete is very weak in tension
- ice is very strong in expansion forces
- (okay, so those are not "my personal opinions", they are standard opinions shared by most people, including the experts)
- in cold climates water left exposed to the cold freezes
- when water freezes it exerts tremendous expansion forces which can break concrete apart (because of its low tension strength)
- in cold climates, after moisture falls (be it rain or snow), water penetrates down into gaps and cracks
- that water freezes (see above for what happens when it freezes)
