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Because it is NOT "normal" for a house to settle. It indicates that he did not do proper soils work before pouring concrete.
However, small shrinkage cracks are common and may be no structural problem. A minor shrinkage crack will not grow more than an eighth of an inch and will not let water leak in.
A structural engineer is a wise investment of a couple bills now. He can see and tell you what you need to know, acting in your interest.