I have not a Fracture tab in cloth, but i found checkbox in cloth solver. How simulate it?

They haven't actually implemented it for cloth in 13 yet.

However, try this setup out:
http://forums.odforce.net/topic/19579-tearable-cloth-h13-wip/ [forums.odforce.net]

Hey i came across this looking for the exact same thing and has there been any development on enabling cloth tearing? i can see in the solver cloth fracturing? why would it be in previous versions of houdini and not the latest?

H13 uses a newer calculation system for Cloth - FEM. There are long term gains in doing this, unfortunately in the short term tearing is not enabled.