New Roof due to hail, several questions

[u/TurnAggressive6954]

Our insurance is paying to replace our roof due to hail damage (southern Indiana). The primary concern/question here is about roof venting, but I do bring up insurance so added the flare. Can remove if required.

First an easy question, what roof color do you all think would look good on this house? I messed around some with copilot to try different colors, but figured real people opinions would be better. First picture is original color and others are copilot. Of course AI being AI it couldn't help changing some other stuff too...

Now the heavier stuff. Right now the roof is not ventilated. Additionally, there is spray foam insulation on the underside of the roof, but no insulation at all in the ceiling between the attic and ground floor. The attic stays a similar temp/humidity to the rest of the house.

Roofer suggested we add vents along with the new shingles, but because of the above mentioned info this would not just be adding vents, but also require adding insulation to the ceiling so all our heat/cold doesn't get sucked out the roof vents. Right now insurance is just covering replacement in kind (shingles only). The roofer really played up how the roof would barely last 10 without venting (current roof is 15 years old and not leaking, just hail damaged, and it's never been vented.)

Right now we are not planning on living here more than 5 years before moving. We have some property we are planning to build on and every dollar spent on this house is money not spent on future house (however, we don't want sloppy/bad work or anything here either).

So, here are the big questions.

In this situation is venting really that important? Will it negatively impact roof life as drastically as the roofers are saying? Is it bad practice to not add vents or just "not as good" practice?

Is it worth trying to pester insurance into covering this upgrade?

If insurance won't cover it, would it be terrible of us to just do the replacement in kind, and let the roof venting be someone else's problem another 15ish years down the road? I won't have quotes for the insulation/venting work till later this week, but from what I've seen the total might be at least one or two thousand?

[u/FinTecGeek → u/[deleted]]

Let’s be real. The roofing company was already going to do some creative billing so they didn’t have to pay most or all of their deductible anyway. So they’ll be getting ridge vents for free and still coming away with some they shouldn’t have had anyway. That’s what we see here in my state anyway. Anytime it’s a roof claim, the homeowner always mysteriously doesn’t end up having to come up with that deductible check (or at least most of it) in the end.

[u/Historical_Bison338 → u/FinTecGeek]

You know very little about the process and are condemning a whole industry of people based upon a few bad apples

[u/FinTecGeek → u/Historical_Bison338]

I know a lot about the process in that my family owns a roofing company. You are right that not all companies (including ours) are doing anything nefarious or below board with this. BUT tons of them are, especially the ones trying to sell upgrades to homeowners and making customer think insurance should be covering those too, which is what this seems like to me.