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 start hardening in 45 minutes or less in warm weather (in up to 90 minutes in cool weather). But even though the hardening (technically known as curing) process begins quickly, you should leave the posts undisturbed for at least two days after pouring the concrete.