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There are a handful of things you can look for to determine if you need to pay for gutter repairs, including the following:

• Water leaking from the underside of your gutters during rainfall

• Visible gaps between your gutters and your roof

• Frequent issues with gutters overflowing or holding standing water

• Gutters that sag or pull away from the house

• Water damage to soffits, fascia boards, or other building materials

• Mold growth on your exterior walls

• Soil erosion underneath your roof overhang

• Foundation leaks or inward bowing of foundation walls

Gutter repair costs around $400 on average, and prices range from $200 up to $650 in most cases. You can expect to pay between $4 and $30 per linear foot. The best way to get an accurate estimate is to have a professional come out to price your project. Some factors that influence your total include the following:

• Number of linear feet of gutter to repair

• Gutter style 

• Gutter material

• Accessibility of the gutters

• Whether you have seamless or seamed gutters

• Type of necessary repairs

Algae doesn't directly contribute to wood rot, like mold, but it does create conditions that can lead to mold over time. Algae retain moisture, which favors fungal growth, potentially leading to wood rot over time. In some cases, significant algae growth can lead to the weakening of wood fibers, ultimately causing rot. Try to keep things as dry as possible. 

Yes, and repairing such damage is another repair that’s done often. Sagging gutters are usually the result of one of two things: damage or overload. For example, ice buildup over the winter due to clogged gutters can cause expansion, stretching the gutters. A falling tree limb or even a rogue baseball can cause gutters to sag. Sagging gutters can be repaired, but they are often replaced because it can take less time.