What type of lights? Some types could literally be touching leaves and not burn them, others could burn being as close to a foot of the foliage.
This was my first thought, and then second was too wet, but these don't seem to be the issue so I don't know either. It could be burn though. I've seen similar splotching on mine before, wondered what it was, but it was only one leaf at a time so I wasn't too concerned.
@NOVAbonsai What percentage of the plant is dropping leaves?
I would say probably 30% or less is just environmental stress and is normal, as the plant is adjusting. 30%-60% dropping is cause for concern but could again be the plant adjusting or is indicative of a major issue. Anything probably over 60% dropping, I would be a little worried.
Check the new growth and use that as a guide to health. If the younger leaves and buds look healthy, you're probably fine and just might have to get the heat, humidity, water, and light variables under control. If your new growth is turning brown or black, then there's definitely a major issue going on you'll want to do something about it. Your issues could be as easy as getting your watering under control with the drier forced air.
Maybe a couple pics of the plants could help us further?
I live in Richmond, so similar weather to you. All of my ficus and other tropicals definitely saw multiple nights in the low 40s and probably a couple hours of upper 30s this fall and winter. Surprisingly, none of mine have really dropped any leaves since coming in permanently.
Also, I haven't been able to set up my lights yet because of a roof issue, so all of plants are sitting on the living room floor on top of plastic... They are getting HORRIBLE light, as the only two windows are north-west facing... I really can't understand why mine haven't dropped but a couple older leaves since coming in...
Good luck!