So, if there’s a heavy rain storm, and it’s not a named storm, and roof gets in through the ridge vent (suspected culprit), then is that wind/hail... or just rain?

I'm talking about Franklin, Jefferson, or Lincoln counties in cities like Troy (MO), Washington, Warrenton, Arnold, High Ridge, etc. 

That original phase now called Wildwood ridge  had infrastructure already done.

One is Ridge Lending Group based out of Oregon.

I installed a new hvac unit in my personal house, blew in 12 inches of insulation, added soffit vents 8 more of them, a ridge vent , and added storm windows at the recommendation of my hvac contractor. 

If you see shadows and ridges, they'll show up on the paint job, more so on satin and semi-gloss finished walls than walls painted with flat paint.

This estimate included adding ridge and soffit vents, ice guard, and new flashing on four chimneys. 

I had good luck with Phinney Ridge Cabinet Company when remodelling my own home in Greenwood. 

Or just call Nobi Group, Oak Ridge, TN

Another option is Pleasant Ridge and Madisonville.