That happened once to me. It was right after all the electricity went off in all my town. My computer (obviously) shut down while miRC was opened. I restarted it when the electricity was back, performed the *suggested* scandisk and i found out that all my scripts were gone, i was pissed. But then, i thought about the .chk files Windows saves after a scandisk. I looked for them (don't remember where they were though) and opened the decent-sized one with a text editor. Poof, all my scripts were there! I only had to copy and paste all the files into miRC editor and save them again and it was just like it used to be.
Hope this helps.