Could you please post the contents of your .htaccess file?
You're dead on.
@locogeek94, your .htaccess has a line that is killing your website:
This means that it won't serve you any page at all if you don't have an index.php in there; you have index.html. I'd HIGHLY recommend changing the .htaccess DirectoryIndex line to this:
DirectoryIndex index.php index.html index.htm
This should cause a failover system - if there's no index.php, it'll look for index.html. If there's not one, then index.htm. If that's STILL not there, try to serve an index. If Options -Indexes, then 403 forbid.
The good news is you'll likely have an index.php, html, or htm in every folder, so this should alleviate the problem.