Derek Cole explains how split HVAC systems pull air from your crawlspace, and dampness or standing water down there causes household odors, not the ducts themselves. Inspect the crawlspace first before spending money on duct replacement.
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If the system is under the house. If you have a split system under the house, the majority of the air you're breathing is coming from under the house. Right into the house. He said, I don't believe it. I said, well, I can't argue the physics of science and the world to you. Therefore, air is coming from the crawl space. The duct might be just fine the way it is, but the smell could be a wet, damp water sitting in the crawl space area. So I wouldn't default to saying, yes, it is the duct system without checking the whole crawl space to make sure that's not a problem as well. And then you'll be upset because you spent money to replace something that probably didn't need replacing, because the crawl space is the problem.