an inspection report on my house came in with the following.
is this something i have to worry about
There was a major crack (vertical) observed in the foundation at
the middle. The classification of major is any crack that is 1/4" in
width or greater. There was no major movement or settlement
observed. Since a single examination visit cannot determine if
movement has abated, these cracks should be patched by the
appropriate specialist and monitored. P-9
It depends. If you haven't noticed the crack before and it's brand new, that could be an issue. It depends on the local area. Some areas are known for minor settling and cracking. You might want to have someone look at it, but it could get expensive just to get an engineer to look at it.
Do you have a photo to post?
Was this a home inspection or an engineer inspection? You need an engineer to review this. The home inspector should have verbiage in his report that he is not an engineer and you should be seeking an engineers professional opinion (as they do with all MEPs as well). The comment: "these cracks should be patched by the appropriate specialist and monitored" seems like a questionable directive. I wouldn't say anything should be "patched" if I am not an expert in that field.
This is a standard home inspection comment. They put that in to let you know there is an issue there and should be further inspected by someone whom specializes in this area and get the liability off of them. If it is a straight vertical crack something is pushing on the outside. Research the outside area and make sure the downspouts and grade is away from the house. One way to monitor this crack is to caulk the crack and monitor, this makes it easier to see if the wall is moving. Without pictures it’s hard to tell if it is something new or old since it is right at the border line. A fix is to install steel beams into the floor and anchor them to the floor joists and fix the outside conditions.