Here's what I've observed:
The level of inspection on residential foundation jobs is virtually non-existent compared to that of commercial jobs. One reason is that the residential building code seems to require VERY LITTLE steel reinforcing of poured-in-place foundation walls while commercial building codes (design teams) require LOTS of reinforcing.
CMU's (concrete masonry units) have lots of mortar joints. Mortar is mixed on the site in a relatively uncontrolled environment compared to ready-mix concrete that is batch mixed in a plant.
When assembled, the hollow interior core of the CMU wall is anything but a continuos, unobstructed, open cell. Filling that interior core in its entirety is something that takes considerable time and effort. In the abscence of vigorous inspection, failing to fill the interior core in its entirety is something that occurs with considerable frequency. The material with which the wall is filled (ready-mix concrete or site mixed mortar) is also a determining factor in the wall's ultimate strength.
Various factors might impact your choice of specification for
a foundation wall including the cost and availabilty of subcontractors and materials and the anticipated building loads- to name a few. I think it's safe to say that a well reinforced, properly constructed, concrete wall is by far the most substantial of foundation walls when considered alongside a CMU wall or filled CMU wall.
A lightly reinforced concrete wall (such as those seen in residential construction) is probably the next most substantial option provided that appropriate mix designs,batching methods, placement methods and cold weather protection methods are utilized. A properly filled CMU wall is probably more desirable than a shoddily poured, lightly reinforced concrete wall.
Again, my comments are based only on observation, not on first-hand experience.
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