This Is a Certified Answer

Certified answers contain reliable, trustworthy information vouched for by a hand-picked team of experts. Brainly has millions of high quality answers, all of them carefully moderated by our most trusted community members, but certified answers are the finest of the finest.
Wet cloth contains water.  Initially it helps using wet cloth if the pan is not too hot.
If you hold the hot pan for long. then hands feel the heat.

Dry cloth has less thermal conductivity.  Wet cloth has higher conductivity due to water in it. Wet cloth becomes hotter in shorter time. It burns our hand quicker.  So a thick dry cloth may be better.