Would this index file have any content? Already been created?
# Create a blank one
if(mkdir('/home/'.$username, 0755)) {
touch('/home/'.$username.'/index.html');
}
# Copy one
if(mkdir('/home/'.$username, 0755)) {
copy('/path/to/original/index.html', '/home/'.$username.'/index.html');
}
# Write a new one
if(mkdir('/home/'.$username, 0755)) {
$body = 'Text to put in new index file';
if(($open = fopen('/home/'.$username.'/index.html', 'w+')) !== false) {
fwrite($body, $open);
fclose($open);
}
}