1. Ducts need cleaning mostly because they were not installed properly. There should be regulatory inpection and approval of clean and proper duct works on new houses. I was extremely unpset when I looked and found significant amounts of construction dust in parts of the ducts in my new house. There is apparently no way to hold the bullder to be responsible for clean ducts.
I can't believe the number of people saying a good properly installed central heating system never needs to be cleaned. Maybe they live in hermetically sealed cells? One look into a cold air return and you can see that it definitely needs periodic cleaning. The air in the house "always" has some dust in it and that's where it ends up. We just had ours cleaned and I saw what came out of it, disgusting. But always ask if they use the "air whip" to sweep/beat the inside of the metal duct. If not, don't bother. These folks used a little whip on the end of a pressure hose and swept the entire length of all the ducts. I have lighted bore scope that allowed me to see into the duct after he was done and it was spic and span. But do change your filters often, 2 or 3 times a year.
Most organizations concerned with duct cleaning, including EPA, NADCA, NAIMA and the Sheet Metal and Air Conditioning Contractors' National Association (SMACNA) do not currently recommend the routine use of sealants to encapsulate contaminants in any type of duct. Instances when the use of sealants to encapsulate the duct surfaces may be appropriate include the repair of damaged fiber glass insulation or when combating fire damage within ducts. Sealants should never be used on wet duct liner, to cover actively growing mold, or to cover debris in the ducts, and should only be applied after cleaning according to NADCA or other appropriate guidelines or standards.
I have been a plumbing/gas/hvac tech for 19 years, before that I installed ductwork in commercial buildings and office towers. As the article states, unless you have undergone some type of extensive reno, or ducts have become contaminated, paying for cleaning is pointless. Its one thing if you have a 30 year old home that has never had a duct cleaning and you can actually see mounds of dust built up , especially in the return side, then go for it. Keep in mind that most duct cleaning companies will only get 80% of the dust , or less at best. Keep in mind that most of the dust in your home is lint from clothes and linens, and skin cells from you and your pets and is constantly being generated. Dust that builds up in ductwork , generally stays in the ductwork. The power of suggestion, scare tactics, up sell!!!
You should be aware that although a substance may look like mold, a positive determination of whether it is mold or not can be made only by an expert and may require laboratory analysis for final confirmation. For about $50, some microbiology laboratories can tell you whether a sample sent to them on a clear strip of sticky household tape is mold or simply a substance that resembles it.