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The shingles on your roof get all the publicity because they're easily seen, but the underlayment is the real hero in preventing water intrusion. Your roof can get by for a little while with some missing or damaged shingles, but if your underlayment is damaged, a roofing contractor should make a repair immediately to prevent possible water penetration.
The underlayment on your roof is installed over the sheathing and under the shingles to provide another barrier against water intrusion for your roof system. It wasn't that long ago that using underlayment was optional, but now just about all building codes require it to be installed. There are several types of underlayment commonly used in residential roofing and depending on the age of your home and whether you have ever had a new roof installed can determine which you have.
A roofing contractor can inspect your underlayment to ensure it's functioning as designed and if any repairs are needed, they should be done before any water damage occurs.