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Yes, there are several downsides to installing rain chains. For one, rain chains have a lower flow capacity than a typical gutter and downspout system. This means that if there is a rainstorm, the rain chain can stop working completely. Rain chains also cannot redirect rainwater away from your house. In homes with a sloped yard, this could cause water damage in your foundation or basement. 

Shingle granules can be cleaned out of gutters using a small scoop or a hose, depending on the quantity of granules and how much other debris is in your gutters. First, clear your gutters of leaves and other debris. This may remove granules in the gutters if they are mixed in with the debris. Use a plastic scoop to remove larger quantities of granules or a hose with a high-powered nozzle for smaller amounts, and collect and dispose of the granules once they’ve been removed.

Absolutely—and lots of it. Overflowing water from your gutters can damage your siding and your roof. All of the moisture getting into the cracks and crevices of your home can lead to mold or mildew problems down the line. In addition, when water pools around your home, it needs a place to go—and sometimes it ends up inside the house, creating a very unwanted flood.

Gutter guards and covers can minimize debris accumulation.