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.
Re: Poured side walk/steps, how long to leave forms? Concrete takes about 28 days to cure to a maximum degree. It does continue to cure for many years longer but the 1st 28 days is the most critical period. It is very important to keep the new cement from drying during that period. It's the water in the concrete that allows the cement to burn and cure.