Horizontal cracks are caused by the movement in the soundboard wood, which happens over the course of the year from changes in humidity. Some wood pieces move more, some less. Ideally an unveneered soundboard should be installed at the driest time of the year when it has shrunk as much as it’s going to. But that’s still no guarantee that it will not crack later. Again, it has to do mostly with how much a particular piece of wood expands and contracts with changes in humidity over the course of the year. There is no way I would blame the builder for those cracks.