Wetlands restoration and wildfire prevention can drive down insurers’ costs and skyrocketing premiums, a new study shows.By Emmett GartnerAfter years trudging through marshes around San Francisco Bay studying conservation practices, coastal ecologist Megan Kelso realized that one of the largest determinants of wetland health may not be an invasive species lurking with her among the sea grasses, but decisions made miles away in the executive suites of insurance companies.