Take notice when cracks are wider than about 5mm, diagonal and stepping through brickwork joints, wider at one end, reappearing after redecoration, or accompanied by sticking doors and sloping floors. Hairline and shrinkage cracks — the majority — are cosmetic. The grading exists precisely because width and pattern, not the existence of a crack, determine significance.
The industry grades visible damage from category 0 (hairline, negligible) through fine and easily filled cracking, up to category 5 (severe structural damage requiring major repair). Insurers, lenders and engineers all use this shared scale, which is why a graded assessment carries weight in a sale or claim where "there's a crack" causes panic.
It is a fixed-fee inspection and written report, quoted before you instruct — send photographs of the cracks and the property type and you will have a price quickly. Set against the alternatives — a collapsed sale, an unnecessary underpinning quote, or repairs that treat the symptom and not the cause — it is usually the cheapest step in the whole story.