Homeowners Face Challenges with Property Claims as Insurers Limit Payouts

After a tree fell on their Middletown home over three years ago, homeowners Jim Leonard and Susie Breigenzer continue to experience roofing issues. Their insurer, State Farm Fire & Casualty Co., offered a partial repair of 22 shingles rather than a full roof replacement. Industry experts indicate a growing trend of insurance companies adopting stricter claim approval practices for property and casualty coverage, impacting homeowners' ability to fully recover damages. State Farm declined to comment specifically on the claim but stated they have provided all benefits available under the policy.