sounds like that tree needs to be trimmed in the winter. they have pieces of special plastic that snaps in place on your rain gutters to keep them from going in the run off's..........I did them in Philadelphia..........they were about $1 a piece then.....all the stores have them....mine had a screen under it and it trapped everything that blew on the roof and down onto the gutters.........................they were easy to snap in place. and then when the wind blew all of the collection of top of them blew off and away from the protection units..........we put them on both sides of the house.