Under a Mortgagee Loss Clause, If a Mortgagor-Owner Intentionally Destroys

Under a mortgagee loss clause, if a mortgagor-owner intentionally destroys mortgaged property:

A) the mortgagee-bank cannot recover from the insurance company.
B) the mortgagee-bank can recover from the insurance company, which can then recover its loss from the owner.
C) the mortgagee-bank can recover from the insurance company, but the insurance company cannot recover its loss from the owner.
D) none of the above.