They'll often do an advance RMA and get you a new HDD. You replace the HDD, and you can hook up your old HDD with a SATA-to-USB adapter and boot into a utility like Ultimate Boot CD which has utilities to clone your HDD to the new one, and you'll be back online in no time.
I recently had a solid state hard drive fail on me after only 9 months. Newer tech CAN fail. Never put 100% trust on any hardware.
This is the correct answer.