Jess, from what I was told by my builder was that unless its severe, or can cause tripping then they wouldn't replace it. I know most builders say the same thing since cracking and chipping is inevitable. Still... just call Holmes and have them at least come out and take a look. I just know the only reason my builder is being responsive is because we have severe settling which can cause tripping (over 2" elev. diff. between pads) and as a result which have huge chunks falling off.