fact is most homes have bad filter racks. when you insert the filter it doesn’t seal well to the sides so some of the air and dust bypass it and end up in the supply ductwork and into the house. Most of the dust in the supply ductwork settles down and doesn’t get blown in the house but some of it does when the blower starts up or when you put a new filter. If you have allergies or other health problems put in an electronic air cleaner, get your ducts cleaned and run the fan as much as you can afford. you can also get an ECM motor installed which is going to be worth it if you want to run the fan 24/7. If you have uninsulated metal ducts take down the ones you can and wash them. Then put them back and seal the joints. Cleaning the ductwork also improves airflow which is important to AC and Heat pump systems for efficiency. An electronic air cleaner will also improve airflow and static pressure because they usually have a much larger filter surface area. An electronic air cleaner also keeps the ac coil clean like new which means better efficiency and no cleaning needed. AC furnaces sometimes grow mold around the coil because of the condensation. Electronic air cleaners should be able to filter mold spores but the best remedy is installing a UV light next to the coil which will kill the mold.
The bottom line is: no one knows. There are examples of ducts that have become badly contaminated with a variety of materials that may pose risks to your health. The duct system can serve as a means to distribute these contaminants throughout a home. In these cases, duct cleaning may make sense. However, a light amount of household dust in your air ducts is normal. Duct cleaning is not considered to be a necessary part of yearly maintenance of your heating and cooling system, which consists of regular cleaning of drain pans and heating and cooling coils, regular filter changes and yearly inspections of heating equipment. Research continues in an effort to evaluate the potential benefits of air duct cleaning.
The renters in my rental home complained of the dryer needing 2 cycles to dry their clothes. I called out Arizona Air Duct to clean the vent. Well, $75 later the issue is not fixed. I had another company come out. They pulled out a section of the vent to show me- there's maybe half the piping still coated in lint. (I wish i could post pictures here...)
Chemical biocides are regulated by EPA under Federal pesticide law. A product must be registered by EPA for a specific use before it can be legally used for that purpose. The specific use(s) must appear on the pesticide (e.g., biocide) label, along with other important information. It is a violation of federal law to use a pesticide product in any manner inconsistent with the label directions.
Air duct cleaning service providers may tell you that they need to apply chemical biocide to the inside of your ducts as a means to kill bacteria (germs) and fungi (mold) and prevent future biological growth. They may also propose the application of a "sealant" to prevent dust and dirt particles from being released into the air or to seal air leaks. You should fully understand the pros and cons of permitting application of chemical biocides or sealants. While the targeted use of chemical biocides and sealants may be appropriate under specific circumstances, research has not demonstrated their effectiveness in duct cleaning or their potential adverse health effects. No chemical biocides are currently registered by EPA for use in internally-insulated air duct systems (see Should chemical biocides be applied to the inside of air ducts?).