In 2013, a cluster of tornadoes struck Moore, Okla., in the most damaging lineup since Joplin, Mo., two years prior. Meanwhile, in Cincinnati, a 1905 Tiffany Studios Daffodil lampshade fetched a retail appraisal of up to $30,000 by “Antiques Road Show.” The owners had found it nearly 30 years before in their father’s garage and were unaware of its worth.

What do these incidents have in common? Their relevance to claims outsourcing.