The short answer

Do not label a crack harmless from its width alone. A stable, dry, isolated finish crack may be cosmetic; a crack with staining, softness, odor, recurrence, or movement deserves a cause-first inspection.

Record before repairing

Photograph the crack with a ruler, note its room and nearby openings, and check whether the surface is dry and firm. Look above and below it for plumbing, roof, window, or exterior-wall routes. Record the same view after rain or a heating/cooling change rather than relying on memory.

Finding What it suggests Safer next step
Dry, stable, isolated finish line Cosmetic possibility Monitor, then use a compatible repair system.
Stain, softness, or odor Moisture Find and stop the source before closing the surface.
Repeated opening after repair Movement or bond failure Inspect the joint and surrounding construction.
Crack with sticking doors or distortion Broader movement Pause cosmetic work and seek qualified assessment.

The EPA’s moisture guidance supports the basic order: moisture control comes before cosmetic restoration. It does not identify the cause in a particular house.

Limits

This is triage, not a structural opinion or mold-remediation plan. It does not set a crack-width threshold, promise that a repair will hold, or replace local professional inspection.