I had a long explantion of a reply from Jim Willingham (RIP) explaining the causes of cracking especially in heat variables i.e. air conditioned buildings on hot days or sub zero temps on heated offices. This works the same for cold water in hot climates. I've yet to have a crack yet, but then again my water isn't exactly cold when I get to the job.
There has also been cases of building movement blowing windows due to tremors or earth quakes even minor ones.
I have also heard of cases where the bottom side of a window having a tint & the top side without. The stresses it put on the window due to tempreture diffentials cracked the window in the full glare of the sun.