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Just guessing here -
Do you fire the first barrel with the other hammer fully cocked, and do you always fire the same barrel first?
It appears to me that recoil from firing one barrel with the other hammer fully cocked causes the cocked hammer to impact the stock. I would also guess that you tend to fire the right barrel first, but not always, since the left side appears to be damaged more than the right side.
I'm suggesting that the hammers have gotten just a little bit looser over time and that the amount of wear isn't noticeable in the static condition, such that the impulsive recoil load is greater than you can apply with your hand and is capable of moving the hammer. Thus the hammer appears tight, but the greater recoil load can cause it to move just enough to hit the stock. And being impulsive in nature it happens quickly enough that the sear doesn't come out of the full cock notch.
Safe to fire? Yes.
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