July 28, 2024. Karen W. in Murray called us back — same customer whose static-pressure problem we’d caught during her April tune-up. This time the complaint was different: AC running constantly, supply air noticeably less cold than usual, and a faint hissing sound she’d noticed when standing near the air handler closet. Marcus Halverson arrived at 2:14 p.m. on a 98°F afternoon and found the classic pattern: refrigerant pressures showing 58 psig suction / 195 psig discharge (R-410A system — should be roughly 110/325 at 95°F outdoor), suction line cold but only partially frosted, supply air temperature 64°F instead of the typical 52°F we’d documented in her tune-up file. The system was 38% undercharged. Five minutes with the Inficon D-Tek Select leak detector found the source: a pinhole leak in the lower copper distributor tube at the front-bottom corner of the evaporator coil. Karen’s 2014 Carrier Performance 24ACC6 indoor coil had developed the textbook formicary corrosion pattern — microscopic pinholes from formic acid attack on the copper tubing, generated by formaldehyde off-gassing from cabinet construction materials over the equipment’s 10-year operating life. Coil was unrepairable at the pinhole site (formicary corrosion is multi-site by nature; sealing one pinhole reveals two more within months). Full coil replacement: $1,840 installed including refrigerant recovery, new coil, line set inspection, filter-drier, evacuation, recharge, and AHJ permit. Karen’s August utility bill came in $51 lower than the prior year because the system was operating at proper refrigerant charge for the first time since approximately 2022.
The evaporator coil is the most expensive single failure mode in residential AC that doesn’t trigger automatic full-system replacement. It sits in your air handler or furnace plenum, absorbs heat from indoor air, and routinely costs $1,200-$2,400 to replace when it fails — significantly cheaper than a compressor and significantly more expensive than the routine $185-$650 repairs. The economics decision at coil replacement time depends on equipment age, refrigerant type, and the rest of the system’s condition. This page covers what an evaporator coil does, the three main failure modes we see, what replacement involves, and when replacing the whole system makes more sense than replacing just the coil.
The evaporator coil is the indoor portion of the refrigerant circuit in a split-system AC. Located in the air handler cabinet or in the supply plenum of a furnace (for combined heating/cooling systems), the coil consists of:
During cooling operation, liquid refrigerant enters the coil through the expansion device at low pressure and temperature (typically 38-45°F at 110-130 psig for R-410A). Indoor air passes through the coil’s fin surface; the refrigerant absorbs heat and evaporates from liquid to gas. The cooled, dehumidified air goes out through the supply ducts to the house; the heated refrigerant vapor returns to the outdoor compressor through the suction line.
For the system to work, the coil must be: (1) sealed (no refrigerant leaks), (2) clean (no biological or particulate buildup on the fins that would impede airflow), (3) free of ice (operating temperature above the freezing point of condensate water), and (4) properly drained (condensate dripping off the coil must reach the drain pan and exit through the condensate line). When any of these fail, you have a coil problem.
“Formicary” comes from the Latin word for ant colony — the corrosion pattern resembles microscopic ant tunnels through the copper tubing. The cause is formic acid attacking copper from inside the cabinet airflow. Formic acid is generated by formaldehyde off-gassing from materials in the air handler and house construction (particleboard, certain insulations, modern paints), combined with humidity inside the air handler during cooling operation.
The evaporator coil’s surface temperature drops below 32°F during operation and condensate moisture freezes on the fins. Once ice forms, airflow through the coil drops (because ice blocks the fin spaces), the surface temperature drops further (because less air means less heat absorption), more ice forms, and the system spirals into complete coil blockage.
Water condenses on the evaporator coil during cooling operation (the dehumidifying effect) and must drain to an approved termination point. When this drainage fails, water overflows into the air handler cabinet, the supply ducts, or onto the floor — sometimes causing significant property damage.
Even when only the coil is failing, sometimes full system replacement is the better economic choice. Here’s how we think about it:
For the full replacement scenario, see the AC installation page and the financing page for cost breakdown and rebate stacking. We provide both coil-replacement-only and full-replacement quotes when the decision is borderline; you decide which path you prefer.
Coil failures point to lost refrigerant, which gets expensive fast as cooling demand rises. Schedule diagnostic service before symptoms worsen.