I have only briefly read through the replies so far, so apologies if I replicate a previous response.
In consideration of settlement, please note that there are a number of separate mechanisms which will induce movement (settlement), and these include:
1. Elastic settlement;
2. immediate settlement;
3. primary settlement;
4. secondary settlement (peat and alluvial soils in particular)
5. consolidation settlement;
6. Self-weight settlement (of fill materials);
7. creep settlement;
8. others (for others to comment!!)
Some of the above are different names for the same principal action, some are quite different, some are not present with certain ground conditions and all will be happening concurrently. Hence, predictions of settlement and the associated time for settlement to occur are difficult to predict with any level of accuracy, however there are some ‘rules of thumb’ which can help the process.
As would be expected, elastic/immediate settlement happens very quickly (during construction). Primary settlement will also happen in a relative short period of time, however this will be wholly dependant upon the actual material. Secondary settlement occurs over a much longer period of time, and is most critical to assess when considering an organic alluvial and peat soils. With thee materials, and change or increase in loading after construction will replicate the same process of settlement, therefore by overlaying a failed road over peat (without removal of the failed layer) will end up mirroring the failed surface.
Consolidation settlement takes time, directly associated with the permeability of the soil, the length of the drainage path and the direction or directions of the drainage path. 5 m of clay could take 10 to 15 years, on-going settlement could be on-going for many years. This needs to be modelled by a competent geotechnical engineer. Different layers of soil will be affected in different ways, have different settlement characteristics and different times for it to occur. In general when I assess this, I talk about total settlement, residual settlement after construction is completed and any on-going
Self-weight and creep settlement are generally assessed using the factor ? over a log 10 cycle. Therefore the level of settlement determined by using ? between 1 and 10 years, will be the same as between 10 and 100 years. Only relevant where fill/deep fill/deep made ground underlie the site.
There are also a number of different techniques to use in assessing the settlement characteristics of the ground, from consolidation testing, flat plate dilatometer, dutch cone CPT testing, elastic modulus, etc… and each of these can give different assessment to the level of settlement. My advise is, get a good geotech engineer who you trust, pay him some money and get a good assessment for each site on an individual basis (of course I would say that!) when it is critical to the overall design.