If there is stuff in the ducts, the fact that it’s laying there and not being blown into the rooms is proof positive that it is hurting no-one. The 5-6 exceptions you cite in this article I’ll buy, but only with the caveat that at least some of those could have been avoided by proper protection (during remodeling for example) – and if asbestos/lead/whatever winds up in your ducts- the remodeling contractor should be the one paying to remove it.

Your cleaning service should involve all aspects of your duct work to maximize energy efficiency and air quality. This includes attending to the heat exchanger, blower, drain pan, plenum and coils as well. In the process, your service provider may find that you're facing larger issues than debris and build-up. The professional may recommend having your furnace repaired if they notice, for example, damage to your heat exchanger or blower motor. Generally, a furnace repair costs between $130 and $500. They may also find that an A/C coil needs to be replaced rather than cleaned and would then recommend A/C repair.
If you think duct cleaning might be a good idea for your home, but you are not sure, talk to a professional. The company that services your heating and cooling system may be a good source of advice. You may also want to contact professional duct cleaning service providers and ask them about the services they provide. Remember, they are trying to sell you a service, so ask questions and insist on complete and knowledgeable answers.
NADCA and EPA both have good points. Although, organizations are made to make money. Common sense and looking at NADCA and EPA pre-checklist. If you don't see it in the check list, you don't have to do it! But, if you do, look up Diamond certified co.s and the BBB. Beware of bait and switch scams, $60 vents and the like coupons which claim to help all for the measley sum of $79.00 bucks.
Some research suggests that cleaning heating and cooling system components (e.g., cooling coils, fans and heat exchangers) may improve the efficiency of your system, resulting in a longer operating life, as well as some energy and maintenance cost savings. However, little evidence exists that cleaning only the ducts will improve the efficiency of the system.
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