Donkeys years ago we used to stay at a hostel type place on the banks of Kielder reservoir. The ceilings of the rooms were white artex. The rooms were basic, but clean. The last year we went the white ceilings were covered in black mould. When you went outside you could see why. The gutters were piled high with pine needles, tall enough to be toughing the roof tiles that over hung in to the gutter. This was allowing dampness to bleed in under the roof materials to inside the building. The old caretaker had retired and a new couple had taken over. They were'n as meticulous with their cleaning! Likewise, if there's no gutter then the water will be running off the roof and down the walls.