In an inspection report on my house, the inspector said "hot and neutral" are not separated. I think he meant "neutral and ground" are not separated. I've attached the picture, is that the case?
I'm guessing from the image that this is a sub-panel, in which case the inspector is correct. The National Electrical Code (NEC) says:
Which means the only place the "neutral" (grounded conductor) is bonded, is in the main service panel. If the grounded (neutral) and equipment grounding conductors (EGC) are bonded anywhere else, you can end up with neutral currents on the EGC and metal parts of equipment which is a violation of 250.6(A).
A second look
After taking another look at this, he could mean that the white insulated wires are not marked appropriately. When you use a wire with white (gray, or with three continuous white stripes) insulation as an ungrounded (hot) conductor, you have to mark the wire in some way to indicate that it is not used as a grounded (neutral) conductor.
Since the white wires connected to the breakers are not marked, it looks (to the untrained eye) as if the grounded (neutral) conductors are connected to the hot bus. The most common way to mark the wires, is to wrap a bit of black electrical tape around a small section of the wire.
It would help if you told us where you are, and what you are showing us a picture of.
If it's a main panel, neutral and ground and bonded together. If it's a sub-panel, neutral and ground must be kept separate.