[drcy]

"$225 shipped"

Plain language reading would mean shipped to the destination. If the destination is Toledo, I don't think "shipped to Buenos Aires" or "shipped to my cousin's house" qualifies as shipped under the circumstance. Shipped is short for "shipped to ___.

If shipped doesn't mean "shipped to you," and instead means "shipped to you or anywhere else in the world," then the word has no practical meaning and there would be no need for shipping insurance.

Not to say it isn't a "life is unfair" scenario for the seller you gave the package to the USPS. Sucks for the seller, and, as already said, it can be a financial problem for some people to have to suddenly reimburse the money.

If the seller means/wants something else ("My responsibility is to get it in the mail. If the USPS loses it, that's not my responsibility" or "$225 put it in the mail"), that can be written in the sales description.