[villagetinker]

OP, if you know the type of tree, you can contact the master gardener, at Florida Master Gardener Program - University of Florida, Institute of Food and Agricultural Sciences and ask them if the root typically cause foundation damage. A building inspector (Frank DeAngelo he is great) should be able to check out you house and foundation for any cracks. Finally, a call to home warranty, you may get transferred, should get you to the correct department for someone to come out and inspect the tree. This will get you specific answers you need, can you cut the tree down, and is it causing or can it cause foundation damage.
Hope this helps.