Publish to web problem

Can Anyone tell me why the following error message would come up when I am Publishing to the web?

The file index.htm exists on the destination server but does not exist in the current web. Would you like Front page to remove it from

I usually type “No to All” just because I am afraid to lose part or all of my home page.

Ever since this started coming up, the banners on my pages throughout my website no longer show “Home Page” on them.

Any help is appreciated!