Final answer:
Jessica had to borrow warm winter clothing from Luke in 'Because of Mr. Terupt' because these were not needed in California's warmer climate.
Step-by-step explanation:
In the book Because of Mr. Terupt, Jessica needs to borrow warm winter clothing from Luke because they were not necessary in California, where the climate is much warmer. This detail highlights the differences in the environments between her old home in California and her new home, which requires her to make certain adjustments.