I once read a book about a group of people who discovered a hidden temple city in a mountain range, where the Incas-the ancient civilisation of Peru- had fled to when the spanish invaded. When this group found the burial chamber of one of the inca high priests, they unleashed a powerful curse upon them all...
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.