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 achieves 40-50% of its strength (1500 PSI if its 3000 mix and 2000 for a 4000 mix) within 48 hours. The reason most concrete guys like to pull forms the following day is so they can move onto the next job with their forms and the concrete will continue to strengthen.