That is why you monitor the water supply. It is done in my rented apartment by a company commissioned by the landlord and it is done daily at the water works. If there are to many living organisms they add chlorine and inform the public, which happens only every couple of years.
The alternative is dead organisms plus a quite toxic substance in your water.
> The alternative is dead organisms plus a quite toxic substance in your water.
Chlorine being toxic in drinking water is your personal opinion. Your opinion is not shared by the people who are experts in drinking water treatment in the US. Chlorine kills microorganisms that aren’t filtered out in previous water treatment steps.
Please cite some evidence that chlorine in drinking water is dangerous to humans at concentrations lower than 4mg/L.
The CDC says the TLV for chlorine is 1.5 mg/m3. Note, that this is per cubic meter and not per liter. So a TLV of 0,0015 mg/l vs 4 mg/l in US drinking water.
The threshold limit value (TLV) is a level of occupational exposure to a hazardous substance where it is believed that nearly all healthy workers can repeatedly experience at or below this level of exposure without adverse effects.
So much for that, but it is only half the story. Chlorine is a gas and therefore volatile. The measured chlorine in the waterworks says little about the amount that ends up in your body.
What it does though is, that it forms compounds with organic substances (the microorganisms it kills) in the water, which in turn can be toxic or carcinogenic.
Instead of regulating the volatile chlorine it makes much more sense to regulate the harmful compounds, which is exactly what many European countries do.
The alternative is dead organisms plus a quite toxic substance in your water.