What's Under the House: Fill Dirt and Moisture Issues
When placed under a foundation, fill dirt is arguably the most important structural component of a home, and that fill dirt is the leading cause of new home structural failures.
Walt Keaveny, a professional engineer and geoscientist for 2-10 Home Buyers Warranty, explores fill dirt and offers tips for minimizing problems in a new NAHB Construction Liability resource, Let's Talk Dirt.
According to Keaveny, not only is fill dirt the most common cause of structural failure, it is also a very costly repair — nationwide it costs an average of over $50,000 to investigate and repair a structural failure caused by fill dirt. In some states the average cost exceeds $100,000.
Let's Talk Dirt provides information about fill placement, density requirements, testing, and the benefits of working with a geotechnical engineer.
Keaveny also explores moisture issues in basements in Ultimate Guide to STOP Basement Water Leaks. Over half of all basements have some moisture issues, with basement walls and floors the most common locations for water leaks in a home. Unlike improperly compacted fill dirt, water leaks in basements rarely represent a structural deficiency, according to Keaveny.
However, a water leak that is seen trickling is not normal, and it is beneficial to terminate the source of the water to avoid: (1) saturating soils that support the foundation, (2) rot and degradation of wooden framing, (3) damage to drywall and finishes, (4) damage to household items, (5) mold and (6) vermin.
To learn about the three major sources that cause water leaks, water migration into basements, damp proofing versus water proofing, and to view Keaveny’s Water Source Checklist, review the Ultimate Guide to STOP Basement Water Leaks.
Plus, you can stay current with the latest building materials and construction liability developments on the NAHB Construction Liability Resources page.
For any questions about construction liability, please contact David Jaffe.
Latest from NAHBNow
Dec 09, 2025
Construction Labor Market StableThe count of open, unfilled positions in the construction industry was relatively unchanged in October, per the Bureau of Labor Statistics Job Openings and Labor Turnover Survey (JOLTS). The current level of open jobs is down measurably from two years ago due to declines in construction activity, particularly in housing.
Dec 09, 2025
Mortgage Rates Hit Lowest Level in Over a YearThe average mortgage rate continued to trend lower in November to its lowest level in over a year. According to Freddie Mac, the 30-year fixed-rate mortgage averaged 6.24% in November, 2 basis points (bps) lower than in October.
Latest Economic News
Dec 09, 2025
Mortgage Activity Continued to Climb in NovemberMortgage activity continued to climb in November, posting the largest year-over-year increase in more than five years. Every major category increased on a year-over-year basis as mortgage rates continue to trend lower, led by strong increases in refinancing and adjustable-rate mortgage activity.
Dec 08, 2025
Community Associations: A Growing Trend in 2024In 2024, 65.7% of all new single-family homes started were built within a community or homeowner’s association. This share increased from the 64.8% recorded in 2023, according to data tabulated from the Census Bureau’s Survey of Construction (SOC).
Dec 05, 2025
Mortgage Rates Continue to Trend Lower in NovemberThe average mortgage rate in November continued to trend lower to its lowest level in over a year. According to Freddie Mac, the 30-year fixed-rate mortgage averaged 6.24% in November, 2 basis points (bps) lower than in October. Meanwhile, the 15-year rate increased 3 bps to 5.51%.