Radiator problems of the 2019 Land Rover Range Rover Sport

I have a brand new 2019 Range Rover Sport. I purchased my vehicle on 3/29/2019 and in 7. 5 months I only have 4,194 miles so it shows I don't drive much. I took my first road trip to visit my son and I must say I only stop for gas one time. As I'm driving on the highway everything was great until I got near richmond virginia and my low coolant light came on. I quickly pulled over and got out and noticed that all of my coolant was coming out from the bottom. I immediately called for a tow and my car was taken to landrover of richmond. Once the vehicle was inspected they are claiming that a pebble or road debris 3cm wide hit the radiator and caused the coolant to come and in turn fried the engine. This is craziness for a vehicle that cost $80k. I'm insured by progressive and my vehicle is now deemed a total loss because it needs a new engine & radiator worth $33k. I'm at a lost right now. This problem sounds identical to what the recent recall shows, but my VIN# is not included. Really leads me to believe I purchased the car with a manufacturer defect.