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.
Removal of Forms. Forms should not be removed until the concrete has sufficiently hardened in order that it can carry safely its own weight and any other live loads it is subjected to. The supporting period (period between placing of concrete in forms and removal of forms) differ according to the type of cement used and the design of formwork. In general structures carrying construction loads, side timbers shall not be removed within 7 days and supporting timbers within 28 days of placing of concrete.