Like the one in this video? https://youtu.be/DWlX9DKmV24?t=4s
As you can see in this .gif, the original cloth isn’t the one that is broken (what is the word in english for a “broken” cloth ?).
There is, at first, a fake cloth (but you can have a true cloth simulation at this point). And then, the next frame, multiple pieces of simulated cloth appear here and there.
This is a way to “simulate” this action, because with a basic Blender cloth simulation, you can’t expect to have a nice simulation and a broken cloth.