I had a similar situation 2 or 3 years back, the HD burned up big style, nothing was recoverable, had to re-install everything!
Most of the good places will do you a history burn DVD of your purchases to get it all back, I know DAZ does not sure about others.
After my HD failure, luckily I had my complete runtime backed up so it was just a case of re-installin Poser, Vue etc and replacing the runtimes with my back ups and I was good to go.
Since then though I now run a Raid 1 array so if one HD fails the other takes over and gives me time to fix the broken one without loss of anything!
Way  to go IMO!

Injustice will be avenged.
Cofiwch Dryweryn.