This paper deals with the exfoliation mechanisms of surface layers usually bonded to concrete and masonry components in order to establish the safety design methods of buildings, that is to say, preventing from any damage under daily external forces, standard disasters such as rare earthquakes and any exfoliation under extremely rare earthquakes. Three fundamental mechanisms are clarified to control a whole process through the initiation to the final fracture. As a result, the effects on normal stresses in surface layers and shear stresses on boundary surface of the layers are predicted quantitatively on the basis of geometry, mechanical properties and various kinds of differential movements.