Either run quad for awhile, shut off then turn key to on position but don't start. Fan should come on. Or run quad while parked for 15 to 20 mins, fan should come on. As far as noise your hearing, it's hard to say but worth a valve adjustment and oil change.
#1 2008 Honda Trx700xx HMF Performance Exhaust, PCV, Stroked 710cc, 10.5:1 Wiseco Piston, Frt Elka Stage 4's, Fox Podium X rear's, EHS Lid, L8ton 11/16" sway bar, PRM Desert II Bumper & Front Skids.
#2 2008 Trx700xx AMR Reaper, Ehs Big 3, P/P head, Xcalibur Cam, Hard Welded Rockers, +1 In/Ex Valves, +3 Throttle body, 11:1 CP Piston, Elka Stage 3 Legacy Shocks, L8ton 11/16th Sway Bar, PRM Front Skids, Desert II Bumper & Rear Utility Rack.
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