Here in our market, foundation issues, are less of an 'if' scenario, and more of a 'when' - we have "shifty" ground or so I've been told by several experts. And while you can have a solid foundation that is performing structurally and is sound, you can still have cracking and stress fractures. In fact, that is very common here.
I recommend, especially for folks not from this area and wanting to buy here, to do several things if you have a concern.
First, your home inspector has likely seen quite a few homes in the area and should be able to give you their subjective opinion.
Second, if they refer you to a specialist, there are indeed several foundation companies here that will do inspections free of charge.
Third, I take what they say with a grain of salt, they make money only if you do have foundation work done.
So, any report they give me I will refer back to the original home inspector and get their take on the matter.
It can be stressful. And ultimately, even if your foundation is performing fine now, that doesn't mean it can't change in the future, so if you start later on having concerns, definitely go through the steps above.
Oh, the joys of home-ownership! :)
Vikki Head - Licensed Realtor® in the great state of Texas. Self-proclaimed writer/blogger. Former Teacher. Mother and Coach's wife.