I clean lots of gutters in spring and fall. I do a few 2 story houses and charge for the danger factor, not the time involved. I can easily make $100 in 30 minutes or less on such a house. I don't worry about downspouts unless there is obviously debris stuffed in them, then I may take a jug of water and try to wash this out, or a hose if it's really bad. I do mostly one story homes and always charge according to danger factor. If the gutters are really stuffed I will charge more than just walking around the perimeter and blowing them out. My regular business insurance covers any damage I might cause to the home doing this.
1995 Ford F-150
12X6 Aluminum Trailer
48 inch Scag V-Ride
Quick 36 Ninja WB
21" Honda HRX
Husqvarna 223L trimmer!
Kawasaki BP Blower
Toro & Ariens snowblowers
"I mow alone, with nobody else. Yes you know when I mow alone, I prefer to be by myself." Matt Thorogood
"All those in the memorial tombs will come out" -John 5:28
"The sea gave up the dead that were in it, and death and Hades gave up the dead that were in them"- Revelation 20:13