I've never posted before, but am addicted to this forum! Did a re-finance inspection a few weeks ago of what would have been an ordinary tract house. I say would have been , since it had a 1276 sq. ft. addition to the 1449 sq. ft. "main house." While waiting for the homeowner to get out of bed(yeah, he knew I was coming)I had plenty of time to explore the exterior of this creation. Along one side of the foundation there is a nasty looking horizontal foundation crack. It is about 6 ft. long, and has an open crack of about 8 in. in length, parts of the crack protrude approximately 1 in. from the wall. the crack has been patched, but doesn't make much difference----there were places where I was able to move the material, and could have torn it off. No, I did not. I asked the homeowner about the crack, but he just blew it off--said a former owner placed a wire too close to the surface. I tried to see the foundation from the inside, but there were too many "treasures" blocking my way. In the appraisal report, I included pictures of the crack, described it, and also recommended an inspection by a structural engineer. Well, you all probably know what happened next. The friendly LO caled to let us know that the home had already been re-financed a couple of times and nobody had ever mentioned a crack. I have not yet responded, but don't feel that I should modify the report. Anyone else deal with horizontal foundation cracks? Even if you haven't, I'd love the feedback! Thanks!