Some insurance companies will pay for recovery. Last I heard you had to have a backup to be eligible for this and they will pay to get the files that are updat

Some insurance companies will pay for recovery. Last I heard you had to have a backup to be eligible for this and they will pay to get the files that are updated since last backup.(!) Of course, once a recovery lab is on the case they will most likely give you everything there is. Point in case: Have some kind of backup, anything is better than nothing, it might worth something even it is a couple of months old.