If the server crashed while UBB was writing to the files, you will find zero length or otherwise corrupted files. If the server ran out of disk space (the whole disk, not your account) or the disk was flaky, you could get several topics messed up during the impending crash.
I don't know that you can do anything to prevent that except to complain if the host oversells disk space. Crashes happen

. Even if you have good backups, there will be some data loss when it goes down.
This link will help with after the fact recovery. Maybe someone has a bright idea about your prevention question.