A window is a hole in your wall. To support the weight above that hole, there must be a proper header (a horizontal beam). Below the window, the sill must transfer weight down to the foundation. If a lazy contractor skipped the jack studs or nailed the window in without shimming it correctly, the wall above will sag microscopically over time. The result? A vertical crack right down the middle of the sill or a horizontal crack along the top of the window frame. This is a workmanship issue , not a structural failure.
Here is the proper story for cracks around a window sill, written from a professional home inspector’s perspective. cracks around window sill
Here is the proper story.