Why three trades ping-pong this one
Gutters hang on the boundary between roofing (above), carpentry (behind), and drainage (below) — so overflow calls get deflected in every direction. The reality of who does what: gutter companies clean, repair, and replace gutters, cheaper than anyone else because it’s their volume business. Roofers own everything above the gutter lip — many decline plain gutter work outright (a documented refusal pattern). Carpenters own the fascia board gutters hang from. Drainage contractors own where the water goes after the downspout. Route by which layer failed, and nobody shrugs.
Triage by what you see
Water sheeting over the edge in rain, gutters quiet otherwise → blocked or badly pitched. Cleaning first ($200–$400 for a typical two-story). If overflow continues with clean gutters, the run is pitched wrong or undersized — gutter company, repair pricing ($218–$396).
Sagging runs, separated seams, a section hanging → repair territory, same trade, same price band. Sagging usually means brackets pulled loose — and if they pulled because the fascia behind them is soft, the carpenter enters first. Probe the board with a screwdriver: sound wood is a rehang; punky wood is a two-trade job.
Water stains BEHIND the gutter, or on the fascia/soffit → water is getting past the roof edge above the gutter — failed drip edge or first shingle course. That’s the roofer, and it explains the “my gutters leak but they’re clean” mystery. The parts glossary shows exactly where drip edge sits.
Gutters fine, foundation wet anyway → follow the downspouts. Discharging at the foundation wall is the single most common self-inflicted basement problem. Extensions are a $20 fix; chronic pooling wants a drainage contractor before it wants a flooded basement.
Replacement math, and the scam-check
Whole-house replacement runs $2,320–$4,222 typical — aluminum for most homes, vinyl cheaper, copper the luxury outlier. That’s the number to hold against high-pressure quotes: we’ve debunked a real $25,000 gutter quote with this exact table, and even a large home in the most expensive material can’t honestly reach it. Door-to-door gutter-and-guard sales after storms follow the same playbook as storm-chaser roofers: unsolicited, urgent, and priced for your panic rather than the work.
The part nobody prices: the ladder
Gutter cleaning is one of the most common sources of serious homeowner ladder falls — it’s routine work at exactly the height that breaks bones. The $200–$400 professional cleaning is partly paying someone with standoffs, harness habits, and practice. If you DIY: stable ground, ladder standoff, never lean past your belt buckle, and never work the ladder alone on a two-story. The gutters are replaceable.