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 it comes to protecting a concrete foundation you only have one chance to build a concrete foundation right the first time. Typical Spray-on-coatings may take from 12-72 hours or longer to fully cure. However, a concrete foundation may take up to 60 days before it reaches maximum strength. When a coating is applied to a concrete foundation it may seal in moisture, which could result in the concrete foundation taking longer than necessary to cure.