Chloramine is a mixture/ combination of chlorine and ammonia. It is more toxic than either of these chemicals on their own. The chlorine dissolves organic matter and ammonia burns the gills, skin and organs. Chloramine does all of this at the same time and it remains active for much longer than chlorine so it can dissolve things for longer.
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As a general rule, if you test tap water that contains chloramine but has not been dechlorinated (treated for chlorine/ chloramine), you should not get an ammonia reading because the ammonia should be attached to the chlorine and is not normally read by ammonia test kits when attached to chlorine.
If you dechlorinate tap water that contains chloramine, the chlorine/ ammonia bond is broken and the chlorine is neutralised. You should then be left with ammonia that can be read by ammonia test kits.
If you have chloramine in the tap water and it has not been dechlorinated, but you have an ammonia reading, then it is probably from extra ammonia in the water that has been introduced by the water company when they treat the water with chloramine. Basically they have added extra ammonia, presumably to keep the chloramine active even longer or they were careless and sloppy and don't do their job properly.
This was the basic theory back in the 80s when chloramine started being an issue for fish. Test kits might have improved by then and might be picking up ammonia while it is attached to chlorine (chloramine), but you would have to contact the test kit manufacturers to find out about that.