Even during non emergencies, you should filter your tap water. The water in your pipes has chemicals used to kill pathogens and germs. These chemicals include chlorine, aluminum, ammonia, arsenic, barium, cadmium, chloramine, chromium, and copper.
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The chemicals are potent and have been known to accumulate in your system over time. The tap water in your home or office can still contain spores because the spores are not easily killed. The spores multiply as the water is transported from pipe to pipe.