Here is a video showing just one of the things that can happen when you do not have a proper extension on your downspouts.
Its on my facebook site.
The gutters and downspouts can be a damning thing for a home owner.
As an inspector I say pay stick attention to the whole system.
I have witnessed the evidence of damage and deficiency in eaves trough systems for over 28 years now.
The man I shingled with as an independent point it out and I never forgot and witnessed its destructive powers.