Well any way you look at it, you real solution here is in lowering your DNS timeouts (by using the previously explained methods), which will force changes to your DNS records to be propagated across the net within 5 minutes or so... This will allow you to switch the DNS record for your pop3 server to whichever static IP address is currently live online...
In the easiest deployment, once accomplishing the above, you would then just need to simply adjust the settings for your DNS in your name server manually whenever necessary.
Beyond that it sounds like you may be limited due to your access to the server. You could employ perl scripts to notify you or change your dns settings for you if thats a possibility. You may be able to find other scripts or utilities that could do the DNS adjustment for you, but in the end somehow adjusting your DNS is your only real solution without throwing money at the problem...