Around September, I noticed a slight crack in the wall of my living room (picture 1). At the beginning, I thought it was just some plastering problem, as we moved to the house three years ago and painted the wall by ourselves. But recently, I found a wider crack on the other side of the same wall (picture 2), which is located in the cloakroom where fuse box is installed. I didn't detect any cracks in the exterior wall or other parts. I'm very worried that the cracks on my walls are due to subsidence. What should I do? Should I contact the insurance company directly or find a structural engineer by myself? I've read lots of reports that a property with historic subsidence will be refused by insurers, mortgage lenders and not sellable in the market? Is that true? If so, does it mean I won't be able to find insurers or lenders for remortgage in the future and I can't sell my house? I'm very anxious. Can anyone have a look at the photos and give me some advice? Thank you in advance.