Ask a structural engineer what causes most foundation problems and you'll get a one-word answer: water. Settlement, heaving, leaking, bowing basement walls, crumbling parging — pull the thread on almost any foundation complaint and you'll find moisture doing something the original builder didn't plan for.
Soil is a material, and water changes it
Foundations don't sit on "the ground" — they sit on a specific soil with specific behaviour. Clays shrink when they dry and swell when they're wet, which means a large tree pulling moisture from beneath one corner of a house can settle that corner over a decade. Silts lose strength when saturated. Even good granular soils can be washed out by a broken downspout discharging against a footing for twenty years.
The usual suspects around a house
Before anyone talks about underpinning or piles, we look at the cheap stuff: downspouts that discharge at the wall instead of two metres away, grading that slopes toward the house, window wells that pond, and weeping tile that's original to a 1960s build and long since clogged. It's remarkable how many "structural" problems are drainage problems wearing a disguise — and how many expensive repairs fail because the water was never addressed.
Fix the water first. Any foundation repair done before the drainage is a repair done twice.
When it really is structural
Sometimes the soil has genuinely moved and the structure has to be dealt with: underpinning to carry footings to better material, reinforcing a bowing wall against lateral soil pressure, or in rare cases helical piles to bypass poor soil altogether. These are all well-understood repairs — but they're designed from evidence. Elevation surveys, crack mapping, sometimes a geotechnical investigation. The diagnosis is the engineering; the repair follows from it.
If your basement wall has a horizontal crack, your floors slope noticeably, or a crack has grown across seasons, that's worth a professional assessment. And check your downspouts this weekend either way — it's the highest-return foundation maintenance there is.