i understand the worry abut funds being out in the open without product or service rendered but at the same time if he/she is a responsible reptile owner then he/she will understand the danger posed by shipping in cold weather.
every site you go to will have the exact same disclaimer that if there is bad weather shipping can be delayed, it shouldnt be surprising.
that being said i think to be on the savvy end of your business you can improve by taking a deposit of an amount you deem reasonable to ensure your customer feels as secure as you wish the reptile itself to be in the transaction.
at a time you appoint as a god ship date require your customers to pay the balance in full and set things into motion. reptiles will be as safe as possible and the customer onn the other end wont feel cheated.
i would also have a disclaimer about refunds just to C.Y.A. and if a customer becomes abusive dont forget to exercise your right to refuse service to anyone.