Which loss is not covered by the Comprehensive Homeowners policy?

A Comprehensive Homeowners policy is designed to cover a wide range of risks that homeowners may face, but it does have limitations regarding the types of losses it covers.

Flood damage is generally not included in a standard homeowners policy, as flooding often requires separate flood insurance due to the specific nature of flood events and their potential for extensive damage. Natural disasters that cause flooding frequently lie outside the typical risk portfolio that standard homeowners coverage addresses.

In addition, structural damage caused by earth settling is typically considered a form of earth movement, which is also excluded under most homeowners policies. This type of damage occurs gradually and is viewed as a maintenance issue rather than a covered peril.

Wear and tear on items like carpets is considered a result of normal usage or aging rather than an insurable risk. Homeowners insurance is not intended to cover maintenance issues or replacements of items that have reached the end of their useful life.

Given these specifics, all the mentioned types of loss—flood damage, structural damage from earth settling, and damage from general wear and tear—are indeed not covered by a Comprehensive Homeowners policy. Therefore, the correct answer indicates that all of the listed losses fall outside of the coverage provided by such a policy.