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Thanks. From your comments, this doesn't sound severe, right? I was quite concerned about it. -Wayne

Hi nealtw, Maybe I was mixing up the terms together. We live in Texas and I believe the whole foundation and slab were poured together (but I might be wrong as I have no experience). There is no crawspace under the wood floor. It sits directly on floor. Yes, I believe the foundation is covered...

I found this issue on the foundation slab of a 15-year old house. Basically the slab has cracks on both sides (see photos). However I didn't see any crack on the brick wall (two-story). Questions: 1. Is this problem severe? 2. How to fix it? and how much it costs if hiring a contractor? Thanks...