I am trying to avoid any hidden leaks or budget-breaking surprises on 100-year-old masonry builds.

Policies often pay ACV first and reimburse the balance only if the structure is actually rebuilt, and even then reimbursement is typically based on like kind and not identical materials usually resulting in lower quality materials.With older or non-standard construction, particularly solid stone or masonry buildings, it is very rare that a policy is written in a way that results in the structure being rebuilt using the same materials or methods.

I own a commercial masonry business in one part of Texas & I own a mix of real estate in 4 cities in Texas.

Quote from @Marc Winter: After just finishing my home inspection recertification, I plugged your question into the system, heres what it said:Most likely cause: Differential movement + thermal expansionThis type of crack is commonly caused by one or more of:Thermal expansion/contraction of a long brick wall (brick expands more than people realize)Lack of control joints in the masonryMinor differential settlement between structural elements (floor line, lintel, or bond beam)Possible interaction with a floor diaphragm or window header lineHow I’d classify itCategory: Non-structural / serviceability crackSeverity: Low to moderateRisk: Usually cosmetic unless it continues to growWhat would confirm thisCrack aligns near a floor levelNo stepped “stair-step” patternNo widening at one endInterior walls at same level may show hairline cracksThe stepped / jagged, diagonal through mortar jointsWhat it looks likeStair-step pattern following mortar jointsChanges direction vertically and horizontallyLocalized area rather than full-lengthSome patched/effloresced areas nearby⚠️ Most likely cause: Foundation movement (settlement or heave)This pattern is classic for:Differential foundation settlementSoil shrink/swell (expansive clay, poor drainage)Localized footing movement (corner or bearing point)The stair-step pattern forms because masonry is weakest at mortar joints, so stress releases there.How I’d classify itCategory: Structural movement crackSeverity: Moderate (possibly increasing)Risk: Needs monitoring; may require repair beyond cosmeticWhat would raise concernCrack width > ~⅛ inchNoticeable brick displacement (one side proud)Interior drywall cracks aligning with this locationDoors/windows near this area sticking🧠 Why these two cracks have different causes (important)Even though they’re on the same wall:1. global wall movement (temperature / restraint)2.  

Are both buildings masonry or wood structures? 

They do rough and finish carpentry, concrete, masonry, tiles, roofs, plumbing, etc.  

In one subdivision, we had 3,000 sq ft minimum finished size, minimum 2 car garage with either side or rear entry, and 90% of the front facade had to be masonry, brick, stone or stucco, among other requirements.

Looking for any and all, Landscaping, doors and windows, roofing, flooring, plumbing, masonry, carpentry, electrical, handy man....etc. appreciate ya and as stated as close to or in Euclid as much as possible please.

One, because I have family down there and two, because I'd like to escape the Vermont winters. for the past 23 years I've worked for myself as a mason specializing instone masonry.

OK.I'll get a masonry guy out there..