There are a number of EPRI papers that deal with calculating and estimating overall heat transfer. The favor a 'sum of the resistances' method that easily allows for seperate factors.
That said, in the real world I see a short list of problems that lead to most fouling.
1. Velocities too low. Pick the right material and run hard. If you are running water through stainless tubes make sure that you are over 10 ft/sec, and 15 wouldn't hurt.
2. Poor lay-up. Materials allowed to dry, settle and/or scale, in or on tubes when not in service.
3. Poor temperature uniformity. Usually a result of an oversized HX. The reactions at hot and cold spots are different and often lead to scaling or precipitation.
4. Lack of maintainace/filtration. I have seen more stuff in HX tubes. Various pieces of trash and debris from other parts of the operation.
Don't let me get started on corrosion.
There has also been some good work done on building modles to help you select the economically optimum cleaning sched. Most of this has been related to power generation, but it applies to process also. The heat and flow still cost you something.
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Corrosion never sleeps, but it can be managed.