What's Under the House: Fill Dirt and Moisture Issues

Legal
Published

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.

Subscribe to NAHBNow

Log in or create account to subscribe to notifications of new posts.

Log in to subscribe

Latest from NAHBNow

Safety

Dec 12, 2025

Preventing Cold, Flu and COVID Illnesses on Jobsites Starts with a Plan

In the construction industry, working outdoors may appear to create less risk for catching a cold, flu, and COVID-19, but it’s crucial to understand that these illnesses can still spread while working in close proximity in any conditions.

Housing Finance

Dec 11, 2025

FHA Announces Forward Mortgage Loan Limits for 2026

The Federal Housing Administration (FHA) today announced its 2026 Nationwide Forward Mortgage Loan Limits, which provides the maximum mortgage loan limits for single-family homes that are insured by the FHA.

View all

Latest Economic News

Economics

Dec 11, 2025

Homeownership Rate Inches Up to 65.3%

The latest homeownership rate rose to 65.3% in the third quarter of 2025, according to the Census’s Housing Vacancy Survey (HVS).

Economics

Dec 10, 2025

No Risk-Free Path: Fed Eases Monetary Policy

The central bank’s Federal Open Market Committee (FOMC) cut rates a third and final time in 2025, reducing the target range for the federal funds rate by 25 basis points to a 3.5% to 3.75% range. This reduction will help reduce financing costs of builder and developer loans.

Economics

Dec 09, 2025

Construction Labor Market Stable

The 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.