I don't know about genetics, but I've read that lactose intolerance often happens in conjunction with illness. I'm pretty sure that's what happened to me. A couple of years ago I got the flu (or something) pretty badly and after a week out of work it took me a good month to kick it completely. Nasty stuff in my chest and spent a lot of time in the bathroom. After I had kicked the chest stuff, I noticed that it seemed that I was still spending more time than normal on the can. It took a little while for me to put 2 and 2 together, but I finally realized the dairy connection. After a bit of experimentation and reading, I confirmed that it was indeed lactose intolerance, and it seems that it's quite common to get an illness that damages your ability to produce lactase.