If rain falls from the roof because there are no gutters, the water causes massive erosion, dragging more and more dirt away every time it rains. This causes the carefully sloped landscape to wear away, allowing runoff to flow into your home instead of away from it. Erosion also causes the base to settle. Many other parts of your Michigan home are affected by malfunctioning gutters or the complete absence of gutters.
Coatings and windows are beaten up by water splashing against them or by splashes of mud and dirt from the landscape. Water could also seep behind the coating.