Examples include a wooden floor with a balast fill (earth or other material) covered by clay tiles, found in high precipitation regions around the world. Another example of heavy covering is stone tiles, which are used for roofing and flooring.
Floor structure with wooden beams and planks, balast fill, and tile flooring (Improving Seismic Performance of Stone Masonry Buildings, Bothara and Brzev, EERI, 2011)
Wood floor with heavy overlay, India (S. Brzev)