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.
Keeping Concrete from Freezing. A. Fresh concrete should be protected from freezing for the first 24 hours after placement, by which time it should have a compressive strength of 500 psi. After that, the amount and duration of protection will depend on the desired rate of strength development.