[DCARLTON]

Actually a lot of this makes sense in my case. Facing a similar situation on my still under warranty unit with damage in the middle of the room with the floor now settling about 1 inch, there definitely is some sort of build issue. My service guy called it a 'bonded floor' with the typical construction of luan/foam/luan. He can identify water damage on the bottom, but your explanation makes sense in that the top of the floor shouldn't fail due to the wicking of water up through a non wicking material (foam). This would indicate at least to me that if the top layer is failing and the bottom layer is wet, gravity is responsible for getting the bottom section wet.

Mine went to service today, hope to hear from them soon.