No offense intended, but sometimes people learn the hard way ($$$$). Small tractors (and I think a B series Kubota qualifies as small) don't like mowing tall stuff. They're too low to the ground and first knock over most of what they will eventually mow. This puts a lot fluff in the air which gets sucked right into the grill and then to the radiator. Certain times of the year are worse than others, but it all has it's effects. I don't know what you were mowing, but if it was tall enough to need mowing, it was tall enough to potentially create problems. Under those conditions, the engine temperature gauge becomes critical. Once the airflow through the radiator is reduced, temps rise quickly, and serious internal damage is not far behind. It can most certainly happen in an hour and a half.
I don't know where your dealer stands on this, or who they may or may not be looking out for. A seriously overheated engine due to a plugged radiator is not a warranty issue. That said, they stand to make more profit from a customer invoice than from a warranty claim.