It turns out, and I have seen W10 (as well as earlier versions of Windows; back to XP) have external drives as well as internal drives borked by Microsoft Updates. Often, it's due to User errors either in configuration or daily usage; and that is usually a result of lack of training in the Business workplace environment.
Thanks for telling us which version of W10 you are running;
W10 Pro. Now that we know that; I can tell you that Microsoft can make a case that you had the version of the software which allowed updates to be disabled, or the very least rescheduled to a date and time of your choosing. Further, if you chose not to use that feature the fault lays with you, not them. If you claim you weren't aware of that feature or capability in W10, that's going to be a weak defense in my opinion, as you've been running W10 since the Insider Preview editions, at least 1.5 years or longer, and should have been aware of this information. [personally, I find this to be bogus as I mentioned I only found out about it a few months ago, here on WF myself; and I've been an Insider Tester since Sep. 2014].
As you can probably tell by now, I'm on your side on this and hope you can achieve getting your drive recovered or getting them to pay for the Data Recovery you are now having to go outside of Microsoft to get done (@ Fry's) or other Computer Techs you have to pay to do this. I'm simply playing devil's advocate here, and I have been in a few formal court hearings over similar things during my career in IT.
My esteemed colleagues aren't trying to give you non-pertinent advice, they are just used to solving Technical problems and are trying to prevent you from repeating your mistake in the future. They may not have experience with the gathering of evidence to be used in a court hearing or arbritration hearing and can't wrap their heads around that.
Even though, you and I agree that it's not
YOUR mistake, it's a flaw or flaws in the W10 Operating System that caused your drive failure. Microsoft will maintain that you didn't take adequate backup measures, since you had all your Personal Data stored on that 1 backup drive. However, from my perspective probably 98% of my Clients don't have their Personal Data properly backed up in at least 2 separate different types of media (DVD discs, external Hard Drives). Businesses should be adhering to the
"Grandfather Principle" which requires businesses to have at least 3 different types of backup media in at least 2 different physical locations. This is considered
"Best Practices" by Insurance companies, and if not done, they are not insurable by most large Insurance Companies for data loss or Disaster Recovery restoration fees.
More than 1 business I know of, has gone Bankrupt from having to pay to put in all new computers and a completely new computer network to support it.
From a professional standpoint then, you can maintain that you were taking
"reasonable" backup precautions for any normal home user; that is having 1 external hard drive on which to store your Personal Data.
If Microsoft maintains you should have done more--I saw "pee-shaw", not likely!
This should bode in your favor in court or arbitration hearing I believe. Again, I'm not an Attorney as I keep repeating, but I have lots of experience with this stuff in over 1,500 companies I worked in that had me working on their computer stuff.
Well, I'm off to do some paperwork and go watch it snow some more.
If you have any further questions or advice on how to proceed, please update us and write back. I wish you all the luck in the world!
<<<<BBJ>>>>