Hlep, Hlep, there's a crack in my wall

Well, isn't this just perfect... I was going to start painting the den downstairs and decided to put off priming until tomorrow after work because I was tired. I walked into the family room and happened to glance at the east wall, the one that runs the expanse of the house. It looks to me like the foundation is settling, but I can't be sure and to top it all off I just don't know what to do... Should I call my insurance agent and have one of their people come and look at it and hope that the wall repair is covered under my insurance? I'll keep everyone posted as things develop.