Preheat your oven to 350°F. Spray your muffin pans with nonstick flour spray or use cupcake/muffin liners.
Pour the oil and water into a mixing bowl.
Add the canned pumpkin (not pumpkin pie filling) to the mixer bowl.
Add granulated sugar to the bowl.
Mix on low until the batter is combined.
Add eggs and mix again on low.
Place a sifter over a large bowl. (if you don't have a sifter you can just whisk your dry ingredients well before adding to the wet ingredients) Add the flour to the sifter.
Add salt, baking powder, and baking soda to the sifter.
Add cinnamon, cloves, and nutmeg to the sifter.
Tap the side of the sifter with your hand to help the ingredients to make their way to the bowl below.
Turn the mixer on low and slowly add the dry ingredients to the wet ingredients in the mixer. Mix until combined.
Peel and cut the apple into bite-sized pieces. Add the coating flour to the apples and toss until coated.
Pour coated apples into batter and fold until evenly dispersed.
Use a ladle and fill use muffin cup about ¾ full with the batter.
Bake in your preheated oven for 23-25 minutes or until a toothpick inserted in the center comes out clean or with a few crumbs.
Allow muffins to cool in the pan for about 15 minutes before removing and allowing to cool on a wire rack for another 15 minutes.