Is there a way to have a file in the user's FTP home directory without the ability to modify/remove it from that directory over FTP?

So the user has write permissions on his own home folder, thus the ability to remove files. An exception should be made for a single file, which has the same filename and contents for each account.

The solution I'm thinking of right now to run a periodic script to check the presence of that file, and if not, put it back. But I wonder whether there's a better solution than this.