The boathouse would be under the wetlands permiting process and not the new CSPA, so the rules have not changed as the wetlands permit trumps the CSPA in a case of overlap in zones. Still not a painless process but not as bad as you think. In the case of a rehab on an existing structure it is even easier than attempting new.
I would think that the insurance would pay for some if not all of the replacement. We do about 4-5 insurance repairs a year and we just did one that the owners poorly built second story deck tore off (and through; long story) the house due to not be shoveled clear of snow and the insurance paid for the whole thing. That is neglect over a short time and there was some serious oversight on the design of the deck.
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