Inspection report had this crack called out h

Inspection report had this crack called out house built 2003. What do you think is causing this? Anything major? Do I need a structural engineer? I know the gutter is close buy and not extended so could this be why?

https://preview.redd.it/36708ujpl8jh1.png?width=1179&format=png&auto=webp&s=77ebd22a034649bf1504a6e5b033ee9bd4a239e3