web server settings
If I'm reading your post correctly your problem does not have to do with redirects or lack of an index.htm page. It has to do with what the default landing page is on your web server for your particular site.
I.E - In IIS, there are a couple of defaults, index.html, default.html, index.asp, which are automatically used when a new site is created. That means that when you create a site and navigate to it, unless a specific page name is used (contact.htm, etc...) the server will default to the first file on the list (index.html). If not found it looks for the next on the list (default.html), and so on. Point is that if index.asp is not on that list the sever will never open to that as its default home page. Check with your web host to see if they can set index.asp as your default home page. That should take care of it.
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