Like SI VIS PACEM PARRABELLUM said, I've never experienced that either. I've worn out hammer hooks & sear edge in a Shadow and had hammer follow, but I've never seen or heard of the hammer dropping on the insert. I slam my mags firmly, and the slide will release if it's locked back, but the only way I've seen the hammer drop is when the booger hook hits the bang stick. I don't know how light that trigger is; but with a very light trigger when your heart is pumping being just a little too fast back on the trigger before the mag is fully seated might explain the problem...or not.
If you come up with a mechanical cause please let us know.