I use unboiled tap water in every single brew, including top off, and I've never had a problem. Basically, if your tap water is safe to drink on its own, and tastes good, you're probably ok using it.
IMHO filtering the water is an absolute must. Boiling is good, but filtering is even more important due to the chloramine/chlorine. Just my experiences.
But regarding boiling or not... remember a few months ago hearing reports of people dying by using netty pots without boiling the water first? I.e. basically injecting tap water into their sinuses to clear them out. Turns out there can be some killer bacteria in your tap water. Hey, i'm just sayin'!!
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