Likely causes
Failure modes and building-physics mechanisms connected to the clues that support or weaken them.
Differential settlement
Parts of the foundation move by different amounts.
Wood decay
Fungi break down persistently damp wood and reduce its strength.
Floor-joist deflection
Floor framing bends under load or due to span, damage or support conditions.
Drywall joint movement
Seasonal or structural movement reopens a finish joint.
Normal timber shrinkage
Wood dries and changes dimension, producing small gaps or checks.
Subfloor fastener movement
Floor layers move against fasteners and create squeaks.