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If I make a directory and slap a index.html file in it, I'll just get a page not found when going to domain.com/directory/. The same goes for index.htm.
If I try the same thing with a index.php file (domain.com/directory/index.php) it works great.
It also works if I specify the full name, domain.com/directory/index.html.
I have checked and this is in the Virtualmin config: DirectoryIndex index.html index.htm index.php index.php4 index.php5
I also see the DirectoryIndex line in /etc/apache2/sites-enabled/...
What else should I check to see why index.html and index.htm doesn't work?
After tearing thins up for a few hours I figured out some .htaccess file had snuck its way in. This was the culprit. Might help someone one day if they have a similar problem.