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Well replacing a harddrive in an emergency situation like this should not take longer than an hour. Thats more than enough time to replace the faulty drive and reload a backup or setup a new OS.
For the future i would consider RAID or even better to have a second server in place. Make a incremental backup to it couple of times daily set a low ttl for your dns entries and if something happens you can just switch to the backup server while the main one is being fixed.
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