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.
Then when it is set somewhat after 1 1/2 to 2 hours you can do the final finish. you have to stay with it and do the finishing when it is required. Normally after 5-6 hours the concrete is good to go just stay off of it so as not to crack it with any weight on it.