interpreting exclusion for damage caused by settling — cause of losses has no bearing on whether losses consist of excluded kinds of damage

noting that, just because the loss is caused by an external force, and is severe, is not a reason to disregard the policy exclusion excluding a certain category of damage; the court explained that the extensiveness and seriousness of the settling and cracking of the foundation of the house did not mean that the overall loss was something other than settling and cracking