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.
All of the products discussed above are registered solely for the purpose of sanitizing the smooth surfaces of unlined (bare) sheet metal ducts. No products are currently registered as biocides for use on fiber glass duct board or fiber glass lined ducts, so it is important to determine if sections of your system contain these materials before permitting the application of any biocide.
Good article, but it fails to point out that leaky return-side ducts could be drawing dust and allergens into the duct system from the enclosed spaces in which they run, e.g. between walls, below floors, attic. So duct cleaning may only be a temporary solution. The homeowner can get a home energy audit -- free in many states -- to determine if they have significant duct leakage. An Aeroseal dealer may be able to effectively seal up the duct system without needing to tear into walls etc to get to the ducts.
A small number of products are currently registered by EPA specifically for use on the inside of bare sheet metal air ducts. A number of products are also registered for use as sanitizers on hard surfaces, which could include the interior of bare sheet metal ducts. While many such products may be used legally inside of unlined ducts if all label directions are followed, some of the directions on the label may be inappropriate for use in ducts. For example, if the directions indicate "rinse with water", the added moisture could stimulate mold growth.
Vinick calls air duct cleaning an essential part of home maintenance, akin to mopping and vacuuming. "It’s like changing the oil in your car,” he says. “If you don’t change the oil, you’re going to have a problem. When your components are loaded up with debris, the system has to work harder. When you remove that debris, you get energy consumption savings.”
In addition, the service provider may propose applying chemical biocides, designed to kill microbiological contaminants, to the inside of the duct work and to other system components. Some service providers may also suggest applying chemical treatments (sealants or other encapsulants) to encapsulate or cover the inside surfaces of the air ducts and equipment housings because they believe it will control mold growth or prevent the release of dirt particles or fibers from ducts. These practices have yet to be fully researched and you should be fully informed before deciding to permit the use of biocides or chemical treatments in your air ducts. They should only be applied, if at all, after the system has been properly cleaned of all visible dust or debris.