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Dirt floors
A dirt crawl space under a home is very bad idea. The earth has very high humidity in the soil. This water vapor moves easily into the crawl space and upwards into the house environment.
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Mold Spores
Mold spores,odors, humidity and critters create a very unhealthy environment for people. Many people are allergic to these things, and experience a host of symptoms and don't realize that their dirt crawl space is affecting their health
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Dirt Floors
Insects and critters of all kinds love damp environment and wet materials. Rot and decay occur in damp environments causing structural damage
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The natural airflow
The natural airflow in a house is from bottom to top. This sucks the moist air and everything in it up into the living areas of the home