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 rate of hardening depends on the rate of hydrolysis of cement. The concrete becomes almost fully hardened within 28 days if the cement used in the mix in OPC. (Hydrolysis of cement continues even after 28 days). If the cement is blended type then the process of hardening is little slower and it will take more than 28 days.