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The term "settlement" in structural assessments refers specifically to the gradual sinking of a building due to factors such as soil compaction, changes in moisture content, or shifting of the foundation material. This phenomenon is a critical aspect in evaluating the structural integrity of a building because it can lead to misalignment of structural elements, cracking of walls, and other issues that might compromise safety and stability.

Understanding settlement is essential for home inspectors as it often indicates underlying issues with the foundation or the soil upon which the building is constructed. By recognizing signs of settlement, inspectors can give informed recommendations for repairs or further assessments, ensuring adequate safety for occupants and the longevity of the structure. This concept is central to structural assessments, making it a vital term for anyone in the field of home inspection or construction.