Preheat the oven to 350°F (177°C) and grease a 9x5 loaf pan. Whisk the flour, baking soda, salt, cinnamon, nutmeg, cloves, and ginger together in a large bowl until combined. Set aside.
In a medium bowl, whisk the oil, eggs, granulated sugar, brown sugar, pumpkin, shredded apple, shredded carrot, and milk together until combined. Pour the wet ingredients into the dry ingredients. Gently whisk until just combined. Fold in the walnuts.
Spread the batter into prepared loaf pan. Bake for 55 – 65 minutes. The bread is done when a toothpick inserted in the center comes out almost clean. Remove the bread from the oven.
Cool completely in the pan set on a wire rack before removing and slicing. Cover and store leftover bread at room temperature for up to 3-4 days or in the refrigerator for up to about 10 days.