Restoring after HD crash

Welcome to the forum.

Local saves are by default in My Documents - My Games - Grim Dawn - save You should be able to put your characters from the saved folder into that and it should work.

You can also move your characters from cloud to local by following the instructions here

Then you can turn off cloud saving in both the Steam settings and the ingame Options menu and should be able to use GI and GDIA again.