More than three years after a tree fell on their Middletown home, Jim Leonard and Susie Breigenzer still have a leaky roof.

The couple asked State Farm Fire & Casualty Co. to replace their entire roof, but the company offered to replace 22 shingles instead.

An insurance industry watchdog told WCPO 9 News that insurance companies are becoming more aggressive when it comes to limiting claims on property and casualty coverage. Do you know what your policy would cover?

On Cincinnati Edition , we discuss changes in the insurance industry and the implications for homeowners.

We invited State Farm to be part of this discussion. A spokesman said it would be inappropriate for the company to comment on individual claims and sent this statement:

"We have been working with our customer and their

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