If you are in Texas, look up the Structural Engineer's record on the Texas Board of Professional Engineers. If he has a good record and no sanctions, then trust your Engineer. A Home Inspector is not a Structural Engineer. I have found that there are a lot of good Home Inspectors, but an Inspector is no substitute for someone who is actually licensed in a particular field, such as a licensed plumber, licensed electrician or an Engineer. Inspectors have a certain liability so they have to be extra cautious. Often times they will be overly cautious about items that they are unable to fully evaluate that would require a trade license, such as foundation. There are times where there is very clearly visible evidence of foundation trouble, such as cracks that are wide enough to put a penny in side-ways, slanted floors, doors out of square, etc. The Inspector is obligated to point those things out and should. However, if there are little hair-line cracks in patio slabs, or even sheetrock, only a Structural Engineer can tell you if those things are something that is minor settling or if repair is needed. FHA has a set guideline on what is acceptable settlement and what is considered trouble. I always recommend going with a good, reputable Engineer for a true foundation evaluation, but make sure it's the Engineer that YOU hire and not a report from one that was provided to you by someone else.