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Yes, walls on the top floor can be load-bearing if stacked on the floor’s foundation.

A structural engineer’s report includes a professional assessment of a property’s foundation condition, structural elements like roof trusses and floor joists, and the skeleton of the home, including studs, beams, and rafters. It will also usually include an assessment of drainage on the property and any potential issues that could arise from environmental conditions, like extreme weather in the area and even tree placement.

First, most contractors will have a structural engineer create a report and plan for your project to ensure it’s safe to cut into the load-bearing wall. The contractor will then excavate around the wall, if necessary, measure the opening—allowing for additional space to fit and level the door, and then cut the doorway out. They will likely install a steel lintel as a header over the door for support. Once the doorway is cut out, they’ll demolish the concrete using sledge hammers and masonry chisels, clean up the surrounding concrete, and seal around the door with masonry mortar. 

The best way to determine if ceiling cracks are structural is to hire a ceiling contractor to inspect the cracks and provide a professional opinion. That said, you might be able to make an educated guess based on the size and appearance of the crack. Larger cracks, cracks accompanied by sagging or discoloration, and cracks that travel from the ceiling down the walls are all signs of structural issues.