It's unlikely to be physical damage, unless something went terrible wrong. The drive heads normally don't touch the disk at all.
So if you want to DIY, the first problem is getting access to the drive from a non-booting PC.
If you don't have access to a boot CD, you can download a bootable Linux CD pack called "Knoppix"
http://www.knoppix.net/ . This can access your drive read-ony, and allow you to copy things off - so as long it can read anything. You might have to push F1/F8/Del or something as your computer boots to tell it to use the CD instead. Some PCs are configured to do this automatically. There's usually a message on the screen for a split second before it starts up.
Failing that, you can pull the hard drive out and place it an external USB drive enclosure. Any small computer shop should be able to do this, or you could do it yourself in 10 minutes.
hope this helps,
(Mr)Wibble