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.
It depends on the composition of the concrete mix, water content, and temperature. Generally, concrete sets in 24 to 48 hours allowing for you to walk on it and partially cured within a week (keep the cement free and clear of heavy equipment during this period) at which you can continue building/construction. Most mixes fully cures at 28 days.