House Foundation Crack Question

[RHNewfie]

Let's see...

The fire was a year ago in Feb 2008.
You can't see the foundation from the outside, the crack is only visible from the inside.
Outside is pretty much clay
House is about 9 years old
Foundation is poured concrete
Yes I have a sump-pump
Water started a few months ago
Weather conditions have been pretty standard average rain, nothing we are not used to.
There is a drainage problem in the neighborhood, nothing that has caused a problem.
We did have some temperature/humidity issues in the house while they were doing the reno. We have some high temps and humidity here in the summer and the A/C was out for a couple of months. It got so hot in the house that the hardwood floor warped and split.

I have attached a pic but I only have my cell right now so it is a bit crappy.