There's a lot of misconception about chloramine. People think it's like this crazy bond of chloride and ammonia that is unbreakable. From my research, it breaks with boiling easily. Chlorine evaporates very quickly; it's usually gone by the time your boil is full. Chloramine, chloride and ammonia will break down and evaporate in 20 minutes of boiling. A campden pill for 5 gallons facilitates the break down of chloramine in less than a minute. You can also throw 500 mg of absorbic acid (vitamin C) to completely break down chloramine. And it breaks down in many other ways which is why you don't taste it in food, only in drinking water from the tap.
That is my "understanding".