A firm I know had their Windows Exchange mail server drive fail, and it ran into thousands to get the data back.
I would definitely get everything in writing before venturing forth with any data recovery firm.
It was worthwhile for the firm I know (consultancy, 6 years worth of important e-mail) but if you were quoted, say, 2500 quid, would photos and the book etc be worth that much (yes, OK, "priceless", but affordable?)
I don't want to be too negative, but can only suggest backup, backup, backup. This weekend one of the websites is flogging external 1,500 GB (1.5 TB) drives for under 90 quid.
It is a hard lesson, I know, but you only ever lose data once.
I still remember going white the day I formatted the wrong drive letter and 'lost' all of a GPs 4,500 patient records, that had taken a year of heartache to get entered
(They used night staff at local hospital to extract the most significant health incidents as the record for a patient only held 15 to 20 entries, back at a time when the whole machine only had 12 MB of hard disk storage {modern mobile phones can have 40 to 80 MB internal storage})
PS There's a free GigaByte of storage at www.drivehq.com and utilities from there can provide scheduled backups for a folder or several folders, or a utility which takes a snapshot of a folder and if it spots anything new, it copies it away to the DriveHQ backup store, so when you save each chapter of a book (or copy 100 photos off your camera) it will spot new stuff and back it up over your broadband link.
Too late, for your accounts etc, Lovecat, but might be worthwhile for future.
Each PC used by the family can have a free account (but remember it is only 1000 MB so don't bother using it to back up video or music files).
They do higher amounts of storage, but an external disk drive or 16 GB USB stick makes sense once you get past 3 GB of data you want to keep backed up... paying for remote storage may be OK for corporate users in case of fire etc but families have other things to spend cash on.