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You should worry about brick wall cracks when they are wide and growing, or in a horizontal or stair-step pattern. Additionally, they may be accompanied by other signs of structural stress. In these cases, a foundation specialist should inspect your home.

It is possible, albeit a lot slower, to break up a rock using water. You would do this by freezing and thawing the water. You could create some initial holes or cracks in the rock, then pour water into the cracks or holes and allow them to freeze (so it's best to do this in winter or in colder climates). Since water expands when it freezes, this puts pressure on the inside of the rock and causes it to crack. You could continue to pour more water in and let it freeze to continue to break up the rock.

Yes, you can enlarge windows in a brick house. Your masonry contractor will need to cut away exterior brick to make space for the larger window, and you may also need to consult a structural engineer to make sure the window is properly supported inside the frame of the house.

Yes, brick houses are better insulated, because the bricks slow down the passage of air from the outside to the inside and vice-versa. This helps to stabilize the internal temperature of the home. When combined with proper residential insulation, brick houses are more efficient and better insulated than other types.