One of the scarier and more dramatic signs of settlement is a chimney separating from the rest of the home. Sometimes chimneys are built on a foundation that is not connected to the rest of the home, making it even more at risk of settlement.
Serious damage to your foundation can develop immediately following construction, or years later as changes occur within the soils that surround your home..
It is the soil underneath the chimney that has caused the settlement. The soil has failed to support the foundation for one of these reason: drying and shrinking soils, wetting and softening of soil, poorly compacted fill soil.