Curse those greedy delvers! But what with? I know! How about Aurophobia, fear of gold? Or Barophobia, fear of gravity? And I can hit that annoying wizard with Bibliophobia, no more spells for him!
The TRUE origins of Magic, and dont even get me started on Prophecy.
Rain slowly builds, thunder and lightning continue to roll in. Road muddies, horse/wagon getting stuck in the mud. Thunder strikes coinciding with a deep hole a horse just walked in, horse panics, breaks its leg (maybe just sprain?). Horse is decompacitated and the rain just went from pouring to an all out monsoon. Shelter needs to be found, horse needs to be taken care of, covered in mud, add the posibility of items being lost to the confusion with the wind and dealing with spooked animals.