I live in New mexico in a stucco house that was built 2 and a half years ago. Our house has started getting some cracks around the windows, horizontal cracks in the middle of walls, and a couple of cracks in the ceiling where the jonts come together. The back patio has separated from the house and the sidewalk around the house is beginning to separate from the house in places. The stucco on the outside is beginning to have cracks in places. Is the builder responsible for this or are we the owners. What is the worse that can happen if we leave unattended and how soon should work take place.. . or do we need to have a hardhat area-enter if you dare on our front door. Joking aside, this problem is keeping me up at night. Any suggestions would be helpful. Thanks