You cannot be accused of insurrection until after an insurrection has been declared. In 1861 Lincoln declared an insurrection. And then came the 14th Amendment.
No insurrection has been declared since 1992. And even if Biden declared one tomorrow, the Constitution prohibits ex post facto laws.
https://en.wikipedia.org/wiki/Insurrection_Act_of_1807#
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Correct - The Los Angeles riots.
(I had to look it up.)