Jess ... like each of the others who've responded so far,to read your news. I believe, though, if you and your husband can take particular note of the ECO's reasons for his/her refusal, explain why the documents required hadn't been sent at the time you first applied and provide them now, hopefully there's a good chance of the decision being overturned.
Joe Bloggs is undoubtedly the man to guide you with this, and I wish you all the very best in your dealings with the Embassy.
