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It really all depends on the TOS your host has in place. If they offer backup restores as part of the service your already paying for, then I don't see how they can charge for it in the future.
What do they mean by "disaster recovery"? If they are offering a seconed failover server with full replication, then it may be in your interest. But if it's just daily backups and restoring, then it's not worth it.
As to who's liable when data is lost, again, look at their TOS. Usually a server hacking is your liabilty whereas hardware failure would be your hosts liabilty.
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