Zero way of knowing from the limited info provided, and unfortunately it is not really a question that can be answered over the internet. I would say it has zero to do with encapsulating your crawl space and more than likely if something moving. As far as settling, how old if the home?

Thanks for the reply its 20 years old now

20 years...stuff moves. Mortared down tile doesn't really want to accommodate much movement so that's not uncommon to see where there is a seam in plywood or where it's offset from a load bearing beam.