Rot on the fascia behind a gutter is a location clue. Water reaching that surface has to have gone over or behind the gutter's back edge rather than through it, and there are three usual routes: the gutter is blocked and overflowing, and some of the overflow runs backward; the gutter has pitched backward as hangers loosened, so water rides against the fascia; or there is no drip edge, so runoff wraps around the shingle edge and lands behind the trough instead of in it. All three keep the fascia wet in a location that is shaded, slow to dry and hidden behind the gutter, which is why the decay is usually advanced before anyone notices. The inspector reports the rot and looks for which of the three mechanisms is feeding it, since the remedy differs and repainting the fascia without addressing the water guarantees a repeat.