You would quickly realize how idiotic it is to touch molten rock. First you would need to get to the lava, which would completely be dependent on the wind. If it's blowing to your front, you won't get very close, if it's blowing to your back, then fair will have it that you'll be successful in touching lava.
A full hammer clause informs the insured that if the insured goes against the carrierâs settlement recommendation, that they will be liable for all defense costs and settlement over the dollar amount the claim could have settled the claim.
A clause in a fire and casualty insurance policy providing additional coverage for the mortgage lender and also providing that the lender's rights to recover proceeds will not be compromised if the borrower is guilty of wrongdoing relative to the insured loss.Also called a union mortgage clause.Contrast with an open mortgage clause.