Hi - I'm a newbie here, so apologies if I'm asking daft questions or posting in the wrong place....
I've got a semi-detached house with a painted rendered wall facing south. The render is covering red brick, and the walls are cavity walls. We've been in the house for about 13 years, and the render was quite new at the time we moved in. Now there are cracks appearing in the render - mostly horizontal ones. I'm concerned that this may be the wall ties failing, and in addition, I'd like to insulate the wall as the house is very cold in winter. Obviously I don't want to put cavity wall insulation in before sorting out the cracking problem - especially if it is a problem with the wall ties.
Anyone got any advice? Or could recommend a trustworthy insulation/wall tie company to take a look. I'm worried that if I ask companies to take a look at a possible wall tie problem they will soon tell me there is one whether that's true or not.
We are in Farnham in Surrey.
Thanks in advance for any advice.

Chris