Often you find yourselves in a situation where you want an HTML file to load prior to a PHP file in the root of your website, and by default if two files have similar names, the one with .html should load automatically. However, some servers force the loading of .php file before .html.
If you care caught up in such a situation and are looking to load your .html file ( for any splash page or flash page etc ), add the following ONE line in your .htaccess file and thats it.
DirectoryIndex index.html index.htm index.php
I hope this helps someone.