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I think is さむがりや(寒がり屋) More

I think is さむがり(寒がり屋)

More examples:
パン屋 【パンや】
殺し屋 【ころしや】
照れ屋 【てれや】

using the read おく:

家屋 【かおく】
社屋 【しゃおく】
屋外 【おくがい】

"oku" is on'yomi reading and "ya" is kun'yomi reading
屋(や)=suffix


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