Based on the stress field distribution rule of the mining floor under abutment pressure, we have established a simplified mechanical model, which contains multiple factors relating to activation and evolution of insidious water-conductive faults. The influence of normal and shear stresses on fault activation and effective shear stress distribution in the fault plane was acquired under mining conditions. Using fracture mechanics theory to calculate the stress intensity factor of an insidious fault front, we have derived the criterion for main fault activation. Results indicate that during the whole working face advance, transpressions are exerted on fault planes twice successively in opposite directions. In most cases, the second transpression is more likely to lead to fault activation. Activation is influenced by many factors, predominant among which are: burial depth of the insidious fault, friction angle of the fault plane, face advance direction and pore water pressure. Steep fault planes are more easily activated to induce a sustained water inrush in the face.