Best ceiling solution for 3rd person camera

What are some ways to handle ceilings in a top-down 3rd person camera game?

Some of the solutions I’ve thought of so far:

Note: I’m importing FBXs from sketchup

  1. Remove the ceilings before import and just have ceiling-less environments.
  2. Remove the ceilings before and add ceilings ingame that can dynamically be removed/replaced on enter/exit.
  3. zoom in camera to below ceiling level when entering buildings

I don’t really like the idea of having ceiling-less environments and adding them ingame seems tedious…
What is the best approach to this problem? I’m having a hard time finding info on this…

You can try a raycast that makes everything between the character and the camera transparent like this.