My elderly mother is a little stressed due to water coming into her basement. She lives in a small 'garden home' which means that it's attached at both sides. When there's a heavy downpour, there is a large 'bowl' of water - maybe four or five inches deep and two feet around - and it's right up against the foundation but over on the neighbour's property, just across the property line. Also the membrane on the foundation is exposed at that point and it has pulled away a bit from the cement so when that 'bowl' fills up, the water spills between the membrane and the foundation and makes it's way into my mum's basement (but not the neighbour's). So the insurance adjuster came today and told my mum that a) she has a crack in her foundation that she has to fill and she should hire a professional to do that and b) the depression on the neighbour's property that fills up with water is not a problem and if she just fixes the crack everything would be fine. I don't know much about construction but the first point sounded reasonable and the second point sounded nuts. Did I miss something? Is water against the foundation now ok? Both her and the neighbour have spent a bit of money landscaping their properties (the lots are very tiny though). The neighbour's was already done when my mom moved in about three years ago and the neighbour blames my mother's landscaping for the problem and says she should fix it on her side. And the insurance adjuster, again to my surprise, agreed. But from my perspective, the guys my mom hired did everything right and properly sloped the soil away from the house. The guys that the neighbour hired did everything wrong and relied on the water spilling onto my mom's property to carry the runoff (rather than making sure it ran straight back from the house). Now that my mum has a raised bed between the properties, the flaw in their sloppy work is exposed (at least in my mind). Should I be getting a second opinion on this? It's not really about insurance money as there's been minimal damage so far. We just want to convince the neighbour that he needs to do the tiny amount of work to fix the grading. I would have thought that it would be in his own interest but maybe the insurance guy is right and water against the foundation is not a big deal. Thoughts anyone?