The Plan

A real fix for California's insurance crisis.

The current insurance system in California is not broken by accident. It is broken because the structure underneath it was never built for a state that burns. Dr. Sean Lee's plan rebuilds the structure.

Anchor framework

CCRP: California Catastrophe Reinsurance Partnership

A public-private reinsurance pool that absorbs catastrophic wildfire and earthquake risk that private insurers cannot price. Built on the same proven mechanics behind federal flood insurance and the Florida Hurricane Catastrophe Fund, adapted for California's specific exposures.

CCRP is not a bailout. It is a structural backstop. The pool collects premiums from primary insurers, accumulates reserves over time, and pays out only on qualifying catastrophe events above defined thresholds. With that backstop in place, primary carriers can rationally price and write policies in fire-exposed regions again. Without it, they cannot, and they will keep leaving.

Three pillars

How CCRP actually works.

Pillar 01

Shared catastrophe pool

A state-anchored reinsurance facility that absorbs the tail risk private insurers cannot price. The pool collects layered premiums, accumulates reserves through non-catastrophe years, and pays claims only on qualifying events. Brings primary carriers back to writing policies in fire-exposed regions.

Pillar 02

Wildfire mitigation credits

Hard-coded premium reductions for homeowners and communities that invest in defensible space, hardened roofs, ember-resistant venting, and certified mitigation programs. Reward the work, lower the cost. Mitigation becomes economically rational, not just civic-minded.

Pillar 03

Real accountability

AI-assisted rate review that catches indefensible increases in days, not years. Public dashboards on filings, denials, and complaints. Enforcement with teeth. The end of black-box filings and 365-day prior-approval blackouts that let insurers run out the clock on Californians.

What this is not

No taxpayer bailout. No state-run insurance. No ideology.

Not a bailout.

CCRP is funded by the same insurers who today pay reinsurance premiums to overseas markets. The state acts as a more efficient, locally-anchored reinsurance counterparty. Reserves build up in California, not Bermuda.

Not a state-run insurance company.

Primary policies are still written by private insurers. The state is the reinsurance backstop, not the front-line carrier. This preserves competition and pricing discipline at the consumer level.

Not partisan.

Reinsurance pools are how Florida (Republican) and the federal government (bipartisan) handle catastrophe risk. The structure works. California is the outlier for not having one.

Four fights underneath the plan.

Each pillar maps to specific policy battles Sean will lead from day one in office.

Issue 01

If you want California insured again, fund the campaign that will fix it.

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