My 8-year-old house is having settlement problems. I'm a new homeowner and don't really know what to ignore or simply patch, and what to be alarmed about. I'm not even sure what damage settlement does to your house. Does this site have a detailed section on this, or is there a place you would recommend where I can find reliable info? If I DO need to bring in a professional, what sort of person would that be and where would I find him?