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.
When cured at temperatures between 65 and 75 F, most concrete takes around three days to cure completely. Removing the forms after two days leaves just enough give in the concrete to round or otherwise smooth the areas covered by the forms. In colder weather, it takes longer for concrete to cure. If temperatures drop below freezing, the curing concrete needs to be heated to cure properly.