Oh yes, and here's something from the Q&A, which is where I read about the default index.html. It says:
You must either use FTP (file transfer protocol) client, or upload via our File Manager located in your cPanel area. All files must be uploaded to public_html directory!
Also, there must be a file named index.html or index.php inside the public_html directory for site to be working properly. If you accidentally deleted your public_html folder use Fix File Permissions tool from control panel to restore public_html folder.
Does anyone know what the above means? Thanks.