AMarieB, I'm sorry but no computer company (none that I know of anyway) covers data recovery. It is unfortunately standard. Data Recovery is expensive (as you know now) and it doesn't always work. I highly recommend that you keep a current or fairly current backup of your data. I cannot stress this enough. If you have leopard, time machine is built-in and will automate your backup for you in conjunction with an external hard drive. If you don't, there are programs (some are free, some aren't) that will do the same thing as time machine and will take some of the hassle out of backups. If this should happen again in the future (to this machine or another), it will be a lot less stressful for you, not to mention cheaper.
JamieNY, I'm glad to hear that you now have a backup solution, just make sure that you keep it up to date, especially if you are working on a project. Most people tend to forget to make sure that they have backups of projects (unless you have your backup set to backup every day or so).
I only mention this kind of thing because I see it all the time and I know what a pain it is. It's a lot easier to have a backup strategy beforehand than it is to try to recover data, especially if it's something really important like a dissertation or project that's due the next day (Murphy's law, right?). I wish all of you the best of luck.