Chet,
3.4.0 is just out and that index.html page is a new feature, so most people don't think of it when they are diagnosing problems. With that said, here's what I think you need to do...
The index.html page was added to help out with search engine placement. Search engines give higher priority to non-database driven pages, hence the simple
index.html.
If you really don't like the page at all and aren't worried about search engine rankings, just delete the file (
index.html). Your
index.php page should take over and automatically forward your visitors to the store's homepage
customer/home.php.
If search engines are imporatant to you, well, that's another post (which is going to be quite long) which I will write if need be.
Hope this helps
