this post was submitted on 29 Sep 2024
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That just looks like weathering. I have some similar cracks (... that I really do need to get to sooner or later...), it just needs repointed to prevent further water intrusion (take out the old mortar and put new mortar in).
I would not bother your insurance company with this.
That's a huge relief. The stairstep pattern following the big crack had me worried.
Thank you so much!
One thing I've learned since becoming a home owner ~5 years ago... There's a lot of stuff on the Internet that tries to get you to a point of hysteria.
https://www.premiumwaterproofing.com/wp-content/uploads/2022/04/stairstep-cracks.jpg
https://www.du-west.com/wp-content/uploads/2021/12/bulog1-1920w.jpg
This is the kind of stair step crack you need to worry about. It's a big gap, many blocks, etc. It's a sign part of your foundation is sinking.
What you have is a block missing some mortar and a crack below (which can happen if water gets into the block ... which happens when you're missing mortar). You can have someone look at it, but I think an honest contractor would tell you "get it repointed or do it yourself, keep an eye on it."
Not OP, nor a builder.
Why not get a professional to take a look? Cost would be nothing compared to the potential risk and peace of mind.