NOTE: Keep in mind deductibles do not apply to liability auto insurance coverage, as that pays for damages incurred by another driver when you cause an accident. Rather, it would apply to coverage types that pay your damages, such as collision or comprehensive coverage.
Re: Poured side walk/steps, how long to leave forms? I strip the forms 24 hours later, but am careful not to damage the new concrete. It will still be very soft and with crumble if you put too much force on the edges. Usually concrete will harden withing 30 days to the point where it is considered cured.
Most concrete these days doesnt need 28 days to come to full strength and most achieve it in 14 or so days. That being said people pour walls and within days are already building on it. The reason for this is because framing a house takes time and the full weight of a house wont bare on it for most of the time a month.