I have experience in tiling and underfloor heating fitting and selling and can comment but don't take my word for it.
When did the job get completed and when was the first switch-on of the underfloor heating?
If the customer has turned up the heating soon after it's been installed I'm guessing your floor hasn't cured properly and the whole setup (with it including so much wood) hasn't acclimatised to cope with the extra expansion / retraction due to the heating.
When you install heating on a concrete floor and use flexi gear you need to leave it a week or so before turning it on and then increase it by about a degree per day over the next couple of weeks when finally the customer can turn it off or up and use it as normal.
When you install heating on wood the same principle applied but you will find the floor will need more consistency with the heat. So if the customer programmed the stat to go off at night and come on full during the day for example the wood just hasn't expanded fully to get used to it's max heat. Therefor it's simply 'stretching' in places quicker than it's 'stretching' in other places.
With you saying some of the floor even had more ply on I'm guessing it's down to the fact that there are different thicknesses in various places? and the heating hasn't been 'broken-in' properly.
The water shouldn't have an effect because you should have used exterior grade ply and primed it, then using flex gear which has additives in it that also decrease the water absorption rates. That with the heating would soon dry up any dampness so to speak coming from any few drips - even over a 24 hour period.
Recap:
I don't think it's the water, I think it's the customer programming the heating too soon. Even if it was left 12 months you can't switch it on full and let it go off after 6 hours and then do it again and again over a few days.
How to investigate: pull up the loose tile, be careful not to snag the heating cable. If the adhesive has broken away from the wood, then the wood has expanded and retracted quicker than the adhesive - or visa versa. If the adhesive has broken away from the tile but is still stuck to the wood (that's an easier fix) but that's down to fixer error (which is the cause of more than 70% of failures in the UK - so I believe - figure may be wrong but it is a high one for sure).
How to go about it from here: you really need to investigate BEFORE suggesting what you think it is. If you go to the customer now and blame her she'll retaliate and wriggle out of the problem. You need to say you're doing a report for the adhesive rep and he wants it in writing. Then state on paper the date it was installed - what gear was used - confirm she has the instructions / guarantee for the heating (which will state the initial starting procedure - and the 1 degree increase per day rule) and then ask her which date she programmed the stat.
Once you have it in writing go away for a brew, come back and say you think it's down to the incorrect initial start-up.
Obviously after checking to make sure it really isn't fixer / material selection error.
THE FIX: If it's down to the heat up thing- sound the tiles, lift the bad ones (might be a maul so charge for your time!) re-fix them and LEAVE THE HEATING FOR 2 WEEKS THEN TURN IT ON - CHECK THE TEMPERATURE READING AND SET IT TO MANUAL AT THAT TEMPERATURE - THEN TELL MRS JONES TO KNOCK IT UP ONCE PER DAY USING THE UP ARROW AND AFTER SHE HITS 22 degrees or so she can turn it off. It is vital that the heating isn't turned off during this period too. Certainly while we're in our cold months!
Good luck and report back to base with your findings.
If you need help from me send me an email:
info@tilersforums.co.uk and I'll do my best to explain better. I could even send you my phone number if you felt that would save you some head ache.