Next year, you should watch the leaves starting in the spring. If there are caterpillars or beetles eating the leaves, they can be dealt with then. Spraying the tree now, when there is nothing there to treat, is a waste of money and pollutes the environment.
Oak leaves can have leaf miners that burrow around inside the leaf. They make the surface of the leaf look like a blister before the area turns brown and dies. You can see the insect inside the leaf if you hold it up to the sunlight and look through the leaf.
Diseases will cause spots on the leaf to discolor before they turn brown. Often, large sections of a leaf will turn brown, which is not the case with the insects.
Most likely, you will not have to do any treatments. Oak trees are the backbone tree species in the ecosystem of anywhere they grow. They support a vast array of insects, birds, mammals, and other animals. They tend to shrug off the damage that insects cause to the leaves. Those insects are also part of the ecosystem, and they feed birds. Unless the tree is very small and has a lot of insect damage that threatens its survival, you will probably not need to do anything.
On the other hand, when several trees get the same thing, it could be a serious outbreak of a disease or insect problem. In this case, oak wilt is a serious and deadly disease that needs to be looked into. The symptoms you list are not specific enough for me to give you a specific answer. Because the trees appear to be dying, not just turning colors, you need to call your local licensed arborist to get an on-site visit.
Another place you can take a few leaves and some pictures to is your local extension office from your state university. There are offices in nearly every county in the United States. They often have master gardeners or horticulturists on staff that can help you.







