'I have a "middle ceiling" crack but it was explained in the home inspection as being caused by settling.'
I respectfully submit that your inspector was
wrong....
(I posted before as Inspectorclouseau, but just reregistered bc of lost password/userid.....)
My credentials? I have a degree in Architecture, but through a twisted turn of events found myself restoring plaster professionally for the last too many years. And in that time I have found out a thing or two...
I am also a liscenced home inspector. About inspectors, many came from the construction feild, but are naturally more knowlegable about the areas in which they worked. Most electricians turned inspector are going to run rings around me when it comes to electrical
My thing was plaster problems. And while settling cracks do occur, they are usually on the walls, specifically at the corners of door or window casings.
Your plaster ceiling is what I call a 'Transitional Ceiling' and is undersupported. I have written extensively about this potentially dangerous issue on my website, and rather than cut and paste, you may go to
estateplaster.com to find out more.
Be sure to go to the storys about collapsed ceilings.
After you read up on my info, I would be glad to speak with you about what we can do to remedy the situation, and possibly get your homeowners insurance to pay for it.
Looking forward to hearing from you.
Sincerly, Philip
Estate Plaster, Inc.