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.
I think that the coding and permit industry is a joke!! They will not allow the homeowner to apply for the permit it has to be the licenced contractor. It would make since to allow the homeowner to apply for this. But it is all about money!! They really don't care if its up to code because if they did then they wouldnt care who applied and payeed for it, but they want the contractor to do it so if they do something wrong they can fine them instead of just pointing it out and allowing them to do it right.
To find companies that provide duct cleaning services, check your Yellow Pages under "duct cleaning" or contact the National Air Duct Cleaners Association (NADCA) at the address and phone number in the information section located at the end of this guidance. Do not assume that all duct cleaning service providers are equally knowledgeable and responsible. Talk to at least three different service providers and get written estimates before deciding whether to have your ducts cleaned. When the service providers come to your home, ask them to show you the contamination that would justify having your ducts cleaned.
What you might not know is that the brand you choose is one of the most important factors in determining a fair HVAC installation cost. So, before delving in-depth, let’s take a quick look at the average prices of a new air conditioner and matching coil by brand…keep in mind, these are the average prices (by brand) that contractors pay for your AC equipment, and it is meant to give you a rough guideline until you are closer to buying:
I noticed a lot of negative feedback, though unfortunately there are many dishonest companies out there. I currently work with a company that cleans duct work and we DO NOT use any scare tactics or up sell services or equipment. Once every 10years of course there are exceptions. We clean supply, returns, air handler, housing, motor, and fan. Though be discerning when qualifying anyone to work in your home. I would ask for REAL REFERENCES to contact.
I am NADCA Certified Air Systems Cleaning Specialist. Over the years I have learned on simple answer to this questions: there air duct cleaners and there are pretenders. There will be no benefit at all if you use on the very cheap pretender because they will not really clean anything. On the other hand if you call a qualified air duct cleaner with a NADCA Certification you will, like 99% of my customers, report improvement with your respiratory problems, you will see less dust and the job will pay for itself with energy savings and repair prevention.

Stick with a maximum of 16 SEER units in most cases.  Like I said above, contractors push higher SEER units because they make more money, but these units can be expensive at this stage of development, and can drive up your HVAC installation cost.  21 SEER units run about twice the price of a 14 SEER unit, so unless you live in a desert and plan on being there for 30 more years... Likewise, a 16 SEER unit typically costs only about $600-$1,000 more than a 14 SEER, and will usually pay for itself over the lifetime of the unit.
Some of the research I have done suggests to have your ducts cleaned when you first purchase a new home to remove drywall dust. Maintain your system well and you shouldn't have to do it again until you want to sell. Those are the two times cleaning was suggested. So for peace of mind maybe it is a good idea to do it even if you buy a used home and then maybe every 5-10 years.
If no one in your household suffers from allergies or unexplained symptoms or illnesses and if, after a visual inspection of the inside of the ducts, you see no indication that your air ducts are contaminated with large deposits of dust or mold (no musty odor or visible mold growth), having your air ducts cleaned is probably unnecessary. It is normal for the return registers to get dusty as dust-laden air is pulled through the grate. This does not indicate that your air ducts are contaminated with heavy deposits of dust or debris; the registers can be easily vacuumed or removed and cleaned.
The AC contactor (relay) and start/run capacitor(s) (see illustration below) fail most often and are inexpensive. So it's a safe bet to buy and install those parts right away, especially if your air conditioning service unit is older than five years. The condenser fan motor can also fail, but it runs about $150 — hold off buying that unless you're sure that's the culprit.
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