Clogged gutters can cause considerable damage to your home. Overflowing gutters may rot the fascia boards supporting the gutters and water may saturate the soil next to your foundation. That water may seep into a basement or crawlspace. Wet spaces under a house can rot wood and cause mold growth and will increase the humidity in your living spaces. Even if you have gutter guards, you still need to check your gutters as debris may build up on top.
How often should you check your gutters? At least twice a year - spring and fall and more often if you have lots of trees.
A home inspector checks gutter systems and looks for issues caused by uncontrolled water run-off around a home.