The short answer is YES you can do a clean install of Windows 10 for free, but only after doing the upgrade from a previous version of Windows:
Once you’ve upgraded to Windows 10 using the free upgrade offer, you will be able to reinstall, including a clean install, on the same device. You won’t need a product key for re-activations on the same hardware… You’ll also be able to create your own installation media like a USB drive or DVD, and use that to upgrade your device or reinstall after you’ve upgraded.
So if your hard drive dies after you are running Windows 10 you can reinstall without a key and without paying as long as you have made the backup using the Win10 Media Creation Tool.
If you want the Windows 10 Media Creation Tool you can source it from Microsoft here 32BIT VERSION HERE or the 64 BIT VERSION HERE .
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