We can get some pretty substantial rains here in season, as you may already know. We had a gully develop around the house close to the foundation soon after moving into our CYV, even with foundation plants in place.
Knowing that our sandy soil would continue to erode at this 'drip line' and that our home was on a slab, we opted to have gutters and downspouts installed immediately. Relatively inexpensive, we considered it a small investment toward peace of mind.
I believe that The Villages now includes gutters all around on new CYV construction. Not certain about other home series.
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