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.
Concrete will continue to set and settle for anywhere up to 20 years. In warm weather, a concrete slab can be walked upon the afternoon of a morning pour. A builder will typically allow 2-3 days before applying any loads, but will keep back propping in for a few weeks to prevent collapse. It is designed to reach it's designated strength 28 after pouring. i.e. 32MPa concrete should reach 32MPa 28 days after pouring.