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.
The concrete is of cource hard 24 hr later but,,,,, Some forms I can remove without putting any stress. Those I will take off today. Others will require a bit a cats pawl action or cut a few nails with a Saws-all. I believe concrete obtains 70% strength on 4 days and does not fully cure for 30 days.