With regard to the plot "Sleeping Mines of Elathon":
You manage to get the water wheel in the mine working which operates a pump to clear the flooded lower levels. As you explore the dank tunnels of the lower galleries, you can hear the creaking of the wheel above. You enter a low-ceilinged passage and are crawling on your backs, when the creaking stops. The water starts seeping wetly around the back of your head...
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.