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MIDDLETOWN, Ohio — When a tree fell on their Middletown home in June 2022, Jim Leonard and Susie Breigenzer did not expect to be living with a leaky roof three and a half years later.

But that is what happened after the couple asked State Farm Fire & Casualty Co. to replace their entire roof, and the insurer offered to replace 22 shingles.

“They take your money every month,” Breigenzer said. “Maybe I’m naïve, but I assumed as a homeowner, ‘We have good coverage. It’s a reputable company. They’ve been around a long time. If something does happen, we’re going to be taken care of.’”

Leonard filed a lawsuit against State Farm because he was frustrated by its claims process. A Butler County judge dismissed the case, a decision upheld by an appeals court this month.

“State Farm will overwhel