Warranty is good if it a bike fault, but not if it was caused by a rock or other outside forces. The trouble is that if you take the bike in, and they do the work to find the cause you are so far in that you have to pay the rest of their charges to get your bike back if they claim that it is not warranty.
It is not hard to take the radiator off. I like to take the front mudguard off first to prevent damage to it, but others put a blanket on it to prevent scratches. either way works.