The test strips I have are for total chlorine, they read the total of free chlorine and chloramine.
I know I have 3ppm chloramine because the water dept told me so. This is the indication I get from the strips with my tapwater. So far so good.
The lowest level on the color code on the bottle is for .5 ppm and it has a pretty significant green tint on the otherwise pale yellow strip. I conclude that the levels on everything I tested other than the tapwater are below .5 ppm, probably well below.
More and more water depts are switching to chloramine, partly because its more persistent. After the water is chlorinated, they add ammonia, to form chloramine. A filter has to reverse the reaction to separate the ammonia before it can adsorb the chlorine. The filter can easily do this, but it takes time. I run a little less than 1 gal/min.
The point Im making is, despite the Internet wisdom, if you actually measure it, a carbon block does a pretty good job with chloramine.
As a judge Ive tasted a lot of homebrew and chlorophenols are fairly rare since we switched to chloromine. My guess is that free chlorine is reactive as hell but chlorophenol is pretty stable.
I dont recommend using untreated tapwater but a lot of people seem to get away with it.