"Tell him you suspect you have some structural problems due to improper construction techniques (no gutters)." Your statement may be true in some places, but not in Texas in general. Gutters can do more foundation damage because they do not allow the rain to evenly moisten the soil around the foundation. A short gutter section over a door or garage, but not the entire house. In fact, some folks here bury soaker hose around their foundations and leave them on all the time. This is generally true for slab foundations only, although pier and beam construction requires even moisture year around if you don't want the house moving. Maybe gutters are necessary if you have a basement... something nonexistant here in Texas. I only writing this because he, the poster, never said where he was from. By the way, chances are that if he does not have flood insurance a drainage problem causing damage to his house may not be covered in his homeowners policy. In general, this applies to Texas homeowners, however, a plumbing leak causing damage to a foundation is covered, in general.