Can't comment on the specifics of your issue. But - the policy on Dr. Reefs site is very similar to everyone else."No one" - again you deal with absolutes. So you have researched the shipping policy of everyone? That's ridiculous like your unwavering support for shippers. It's kinda weird.
Fwiw, I had a purchase recently from Dr. Reef that had some troubles, and surprise surprise...he refunded it! Didn't you say you were the industry expert or something?
However, I am aware of several instances where he has taken specific cases into account and refunded money. However - with regards to shipping delays, at least the policy is identical - losses are not covered.... And notice his suggestion - that the buyer can buy shipping insurance.