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What type of heater is it, heat pump or gas forced air? also look at your air vents are they rusting? if they are not rusting then you are not putting the water through your vents 4 gallons a week is not a lot of water to put into a house as we would put 2 gal a day up north to be able to breath because of how the heaters would dry the air. one of the problems could be vaulted ceilings. I am not a fan of them as the normal ceiling has a vented attic to stop the condensation. That all being said I wouldn't be surprised if an insurance company wouldn't say its the tank to stop there liability. there are ways you can have it checked to see if it is mold as that is really dangerous.
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