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I have had two "surprises" that I am aware of.
One time at a gun show before the safety indicators were common and required a seller cleared a firearm and handed it to me. I cleared it again and then showed the seller. He removed the jammed empty case from the chamber - IIRC he used a small screwdriver. He said I was not the first person to handle that gun that day and was overly apologetic.
On the second day of a duck hunting trip I removed my shotgun from its case, loaded two roads in the magazine, and pumped the action only to have a live round come out. Apparently I had put it away with a round chambered.
Every gun is loaded all the time until proven otherwise and even then it is loaded. If I a vital piece of the gun is not removed (the slide assembly on a semi-auto or the bolt in my bolt action rifles) or the action locked in a position that will not fire such as safety straps at a show that gun is loaded in my mind. However every defensive gun is checked anyways to verify it is chambered before being put in my holster.
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