You are NOT a foundation expert. Anybody that thinks that you place rebar in with a post-tension cable system does NOT know what he/she is talking about. As I remember your insurance company spent the money... not you personally. Also, if you ONLY had surface cracks then the foundation repair company took the insurance for all they could. I stick with my previous comments... you don't no Jack, jump to conclusions with incomplete facts and like I said, think you know it all.