In which situation are you most likely to see settlement cracks?

Settlement cracks are typically observed in houses built on reclaimed land due to the nature of the ground that has undergone substantial changes in moisture levels, density, and stability after being filled. Reclaimed land can have a varied composition and may have gone through extensive processes of compaction, which can lead to uneven settling over time. When structures are built on such land, the soil may continue to settle as it compacts further or if water levels fluctuate, causing stress on the foundation and leading to visible cracks in the walls or foundation.

In contrast, slab-on-grade construction (the second option) involves a concrete slab poured directly on the ground, which generally minimizes settlement issues compared to a house that sits on fill. Stone or brick foundations (the third option) are typically more stable and less prone to settlement cracking because of their weight and structure, which helps distribute weight more evenly. Houses built in areas with a very low water table may not experience significant soil movement either, as the ground remains more stable and dry, preventing the formation of settlement cracks. Therefore, the first situation, where houses are built on reclaimed land, is the most likely to see settlement cracks due to the potential for ongoing soil movement and settling.