The Black Man states "Before making a Horror check, pass a Luck (-1) check or be devoured..."
Hank Samson Thick-skulled ability states "Hank does not make a Horror check when he first encounters a monster. Instead, he only makes a Horror check if he first fails a Combat or Evade check against a monster".
So, when is the luck check made?
1. When Hank encounters the black man or
2. if Hank fails a combat/evade check against the black man?
The wording tells me 2, but the feel for the game etc tells me 1.