We built our home in 2002, and about a year later we noticed a crack in the block on the side that is not backfilled (its a walkout and this side tapers down). Anyway, we contacted the cement guys who did the foundation, they said they would be out to fix it but never did. My wife filled the crack with crack filler because bugs were crawling in and out, and then we forgot about it.

Code here in MN is to insulate all foundation walls before occupancy, and we just started to finish a room in the basement recently. We removed the insulation because we noticed moisture building up on that wall only, and uncovered the crack. It goes the full length (floor to ceiling) and is right in line with the support beam that runs the full length of the house (perpendicular to this wall). I think the beam itself rest on the blocks, and some (2 or 3) are cracked right in half. Otherwise, the cracks run along the joints.

Should I be alarmed, or are these just settlement cracks? The moisture is not due to the crack by the way, and the crack itself is maybe 1/8 at most in places, otherwise 1/16. Elsewhere in the basement, I have noticed cracks in the mortar so they run jigjagged, but this one in particular looks more worrysome because its cracked blocks in half. The height on either side is the same, if that makes a difference.